EXHIBIT 23.1


                      CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the incorporation by reference in the Prospectus
constituting part of this Registration Statement on Form S-3 of our report dated
September 13, 1996, except as to the poolings of interests with the Acquired
Entities which is as of January 30, 1997, relating to the consolidated financial
statements of PMT Services, Inc., which appears on page 1 of Exhibit 5.1 of the
Current Report on Form 8-K of PMT Services, Inc. filed on April 8, 1997. We also
consent to the application of such report to the Financial Statement Schedule
for the three years ended July 31, 1996 which appears on page 1 of Exhibit 5.2
of such Current Report on Form 8-K when such schedule is read in conjunction
with the financial statements referred to in our report. The audit referred to
in such report also included this schedule. We also consent to the reference to
us under the heading "Experts" in such Prospectus.


/s/ PRICE WATERHOUSE LLP


Nashville, Tennessee
    
April 29, 1997