Tampa Bay's Highest-Rated Payment Solutions Team
★★★★★ 5.0  ·  157 Google Reviews

Stop Overpaying for
Every Card Swipe

No contracts. Free equipment. Next-day funding.
Tampa Bay businesses save an average of 30% on processing — and many pay $0 in fees entirely.

Get a Free Rate Analysis → Book a Free Consult
150+
Five-Star Reviews
30%
Average Savings
$0
Zero-Cost Option
24hr
Next-Day Funding
Why Tampa Bay Pay

The way merchant services should work

We built Tampa Bay Pay around one idea — local businesses deserve better. Better technology, better pricing, better support, and a partner who actually picks up the phone. Transparency, accountability, and real local support — not a call center.

📋
No Contracts
Month-to-month. No cancellation fees. No lock-ins. If your processor requires a contract, ask yourself why.
Month-to-month
💻
Free Equipment
Stop paying for hardware. We provide free POS systems, terminals, and card readers when you process with us.
$0 upfront
⚡
Next-Day Funding
Sales from Monday hit your account Tuesday. 11pm cutoff. No waiting on your own money.
Same-day approvals
📈
Transparent Pricing
No hidden junk fees. Interchange-plus options available. Pricing tailored to your business type, volume, and needs.
Custom pricing
📍
Local & Hands-On
Based in St. Petersburg. In-person setup, training, and ongoing support — not an 800 number. We actually pick up.
St. Petersburg, FL
🔒
PCI Compliant & Secure
EMV chip card acceptance, data security, and full PCI compliance built into every setup we do.
Always compliant
Learn More About Us → Explore Pricing Models →
Zero-Cost Processing

Want to eliminate processing fees entirely?

Thousands of Tampa Bay businesses have legally stopped paying credit card fees. Through dual pricing and cash discount programs, your customers choose how they pay — and card fees are no longer your problem.

Learn How It Works See Traditional Pricing
Dual Pricing
Cash $100 / Card $104 — both posted upfront
$0 fees
Cash Discounting
Card price listed, cash customers save 4%
$0 fees
Interchange Plus
Starting at interchange + 0.75% + $0.15/txn for qualified businesses. Customized by volume, ticket size, and risk profile.
Low cost
Not sure yet?
Free statement review — we show you all your options
Free review
Industries We Serve

Built for Tampa Bay businesses across every industry

From restaurants and retail to healthcare and high-risk — we match the right technology to how your business actually operates.

🍽️
Restaurants & Bars
🛍️
Retail & Boutiques
🏥
Medical
⚖️
Legal Services
🔧
Trades & Home Services
📄
High-Risk Processing
Explore All Industries We Serve →
Solutions

Every payment solution your business needs

We are not tied to one processor or one product. We match the right technology to your business — and set it up ourselves.

🖥️
Point of Sale
FigurePOS, Clover, OctoPOS, Material Retail, and more
📱
Mobile Payments
SwipeSimple — app-based, works across industries
🔄
Recurring Billing
PayBright Gateway, FluidPay, and BillerGenie
📊
QuickBooks Integration
BillerGenie — automate invoicing and AR
⚡
Zero-Cost Processing
Dual pricing and cash discount programs
🎁
Gift Cards & Loyalty
Branded programs to grow repeat business
Explore All Solutions → Book a Free Consult →
Our Guarantee

We stand behind every promise

The highest Google-rated payment solutions team in Tampa Bay. Here is what that means in practice.

01
We match or beat any rate — guaranteed
Show us your current statement. If we can't beat your rate, we pay you $500. No fine print.
02
No rate increases — ever
We guarantee to never increase the fees we charge. What you start with is what you pay, forever.
03
In-person setup, training, and support
We come to your business, set everything up, train your team, and stay available. Not an 800 number.
04
Same-day approvals, next-day funding
Most merchants are approved the same day they apply. Sales from Monday hit your account Tuesday.
⭐⭐⭐⭐⭐
157 Five-Star Google Reviews
172 five-star reviews across Google, Facebook & more
See our live review widget below ↓
Free — No Commitment
See exactly what you could save
Upload your most recent processing statement for a free rate review, or book a free 30-minute consultation with a local payment solutions expert. Pricing is tailored to your business type, volume, average ticket, and software needs.
Get a Free Rate Analysis → Book a Free Consult
We match or beat any rate  ·  $500 guarantee if we can't  ·  Business done the right way
Real Merchants · Real Results

What Our Clients Are Saying

Tampa Bay businesses share their experience working with Tampa Bay Pay — from setup through ongoing support.

Joto's Pizza
Jodi Whitcomb, Owner  ·  jotospizza.com
Family-owned for 52 years. Upgraded to FigurePOS — caller ID integration, customizable menus, and a system staff learn fast without extensive training.
Restaurant FigurePOS Seminole, FL
Florida Orange Groves Winery
Lance Shooks, Owner  ·  floridawine.com
When QuickBooks stopped processing credit cards, Tampa Bay Pay provided a seamless integration — keeping their existing QuickBooks setup without an expensive POS replacement.
Winery & Retail QuickBooks Integration St. Pete Beach, FL
Plumbing by Paul
Paul & Alycia Alves, Owners  ·  plumbingbypaulllc.com
Tampa Bay Pay goes beyond payment processing — always reachable by phone, text, or email, and a valuable partner for Google SEO, social media, and web support.
Plumbing & Trade Dual Pricing Tampa Bay, FL
Plumbing by Paul
Paul Alves  ·  plumbingbypaulllc.com
Previous provider had frequent errors and slow funding. New setup processes payments reliably in the field and at the office — with next-day funding that's critical for a small business.
Plumbing & Trade Next-Day Funding Mobile Payments
Wrenchmasters
Kenny Gehringer, Owner  ·  wrenchmastersauto.com
Previous processor only offered a 1-800 number. Switched for local support and streamlined technology — now sends invoices and processes tap-to-pay even when internet is spotty.
Auto Service Tampa Bay, FL
Google Reviews · Tampa Bay Pay

The Highest Rated Payment Team in Tampa Bay

Don't take our word for it — here's what local business owners say after switching to Tampa Bay Pay.

5.0
★★★★★
Google Rating
Verified Reviews
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