About Tampa Bay Pay · St. Petersburg, FL
5.0 · Tampa Bay's Highest-Rated Payments Team
Merchant Services
Done Right.
We're a locally owned payment solutions team built on one idea — Tampa Bay businesses deserve better than what big banks and national processors offer.
Free · No commitment · Local team
Independently owned
Based in St. Petersburg
No contracts
$500 rate match guarantee
250+
Businesses Served
157+
Five-Star Reviews
$0
Cancellation Fees
24hr
Next-Day Funding
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Our Story
Built by someone who was in your shoes
Tampa Bay Pay was founded after seeing firsthand how confusing, expensive, and one-sided the merchant services industry had become. Big bank processors lock businesses into long contracts, raise rates quietly, and disappear after the sale. We built something different.
We're an independent payment solutions team — which means we're not tied to one processor or one product. We work with the best technology partners in the industry and match the right solution to each business we serve. No lock-ins, no hidden fees, no surprises on your statement.
Today we serve 250+ businesses across Tampa Bay — from restaurants and retailers to healthcare practices and trades professionals — and we've become the highest-rated payment solutions team in the area because we actually show up for our clients long after the deal is done.
Our team has grown to include account managers, sales reps, operations specialists, and bilingual support — many of whom were business owners themselves before joining us. That perspective is the foundation of how we work with the merchants we serve.
"I got into payment processing without knowing what merchant services meant — just like most of the business owners I meet today. That's exactly why I started Tampa Bay Pay."— Zachary Gottlieb, Founder & CEO
No Contracts
Month-to-month. Cancel anytime, $0 fee.
Next-Day Funding
Monday's sales hit your account Tuesday.
Free Equipment
POS systems and terminals at no upfront cost.
Rate Lock
We guarantee to never raise your rates.
Why We Built Tampa Bay Pay
Every other option has a catch.
When Tampa Bay business owners need to accept card payments, they're usually pushed toward one of three options — and every single one of them has a catch. We built Tampa Bay Pay as a fourth option that actually works for the businesses we serve.
Here's how the typical alternatives stack up against what we offer. The differences aren't subtle.
Big Bank Processor
Long contracts · hidden fees · 800-number support
National Processor (Square, Stripe)
Higher rates · accounts frozen randomly · no human help
Other Independent ISOs
Sell once, disappear · hidden interchange markups
Tampa Bay Pay
Local team · transparent pricing · no contracts · 5.0★ rated
DIY / no processor
Cash only · lose every card customer · invisible online
What Makes Us Different
Six things you won't get anywhere else
There are a lot of payment processors out there. Here's what sets us apart, in plain language, no jargon.
We're Local
Based in St. Petersburg, FL. We come to your business, set everything up, train your team, and stay available. Not an 800 number.
St. Pete, FL
Transparent Pricing
Interchange-plus with no hidden fees. We show you exactly what you're paying and why, and guarantee to never raise your rates.
No surprises
Better Technology
Modern POS, mobile payments, online invoicing, recurring billing, and zero-cost processing. Not just a terminal and a contract.
Full stack
Match or Beat Any Rate
Show us your current processing statement. If we can't beat your rate, we'll pay you $500. No fine print, no exceptions.
$500 guarantee
No Lock-Ins
Month-to-month agreements only. No cancellation fees, no multi-year contracts. If your processor requires a contract, ask them why.
Cancel anytime
Merchant First
Every decision is guided by what's best for the businesses we serve. That philosophy is built into everything we do.
Our standard
The Tampa Bay Pay Journey
From first call
to long-term partner
to long-term partner
Here's exactly what working with Tampa Bay Pay looks like — start to finish.
1 / 8
Eight steps. Real people at every one. This is how Tampa Bay Pay works with every merchant — from your first call to your tenth year.
Start Your Journey →
Meet the Team
The people behind Tampa Bay Pay
We're a team of local payment professionals who genuinely enjoy helping businesses succeed. Every person here was chosen because they share the same values — transparency, hands-on support, and results.
Zachary Gottlieb
CEO / Founder
I got into payment processing more than five years ago without even knowing what merchant services meant — just like many business owners I meet today. It did not take long to see how confusing statements, outdated equipment, and hard-to-verify pricing leave merchants at a disadvantage. I founded Tampa Bay Pay to give business owners a better option: transparent pricing, modern technology, and real support. Today, I help companies build payment systems they can actually trust, whether that means in-store, mobile, invoicing, or integrated billing solutions. Outside of work, you'll usually find me at the beach, on the golf course, or spending time with my dog, Bleu.
FounderSt. Petersburg, FL
Andrea Chavez
Director of Operations
I oversee onboarding, implementation, and day-to-day client support, making sure every merchant we bring on has a smooth experience from application through go-live. With a strong background in account management, POS troubleshooting, and customer service, I focus on delivering personalized support that helps our clients feel confident and taken care of. I'm especially passionate about serving our vibrant Hispanic community and creating a seamless, culturally aware experience built on clear communication and trust. My goal is not just to meet expectations, but to consistently exceed them in every interaction.
OnboardingClient Support🇪🇸 Habla Español
Alexandra Reyes
Customer & Administrative Support Specialist
With a strong background in POS troubleshooting, account management, and customer service, I focus on providing tailored support that meets each client's unique needs. I take pride in delivering fast, efficient solutions, whether that means resolving technical issues or helping day-to-day operations run more smoothly behind the scenes. I'm also passionate about supporting our Hispanic community through clear, empathetic communication and a culturally respectful approach to service. My goal is to build trust, create lasting relationships, and make every client interaction as smooth and positive as possible.
ImplementationAdmin Support🇪🇸 Habla Español
Chase Orndorff
Account Manager
With a deep background in customer service and a genuine passion for supporting local businesses, I specialize in providing customized payment solutions that help business owners save time and reduce costs. I enjoy working directly with entrepreneurs, learning how their businesses operate, and finding ways to streamline payment processes while minimizing unnecessary fees. Whether I'm helping a small local shop or a growing company, my focus is always on transparent communication, dependable service, and long-term relationships. When I'm not working, you'll usually find me at the gym, at the beach, or spending time with friends and enjoying the Florida lifestyle.
Account ManagementTampa Bay
Viviana Saavedra
Account Executive
With more than seven years of experience in payment processing, I've helped businesses of all sizes simplify how they accept payments and find solutions that truly fit the way they operate. I've worked with merchants across New York, Rhode Island, Georgia, and Florida, always focusing on honest pricing, clear communication, and dependable support. I proudly serve clients in both English and Spanish and care deeply about building relationships that last well beyond the initial setup. Outside of work, I'm a proud mother, a soccer enthusiast, and a fan of cocktail mixology — interests that reflect my love for teamwork, creativity, and connecting with people.
Multi-State ExperienceRelationship Driven🇪🇸 Habla Español
William Taylor
Sales Representative
I serve the Tampa Bay region with a relationship-driven approach and a strong focus on helping local businesses find smarter, more efficient payment solutions. I work closely with business owners to evaluate their current systems, identify opportunities to reduce costs, and implement setups that support their day-to-day operations. As a graduate of the University of Mississippi, I bring strong communication skills, professionalism, and a dependable mindset to every client relationship. Based here in Tampa Bay, I'm passionate about supporting the local business community and helping entrepreneurs grow with confidence.
Tampa BayRelationship Driven
Daniel Kirby
Account Manager
I bring a strong background in banking, business relationships, and payment technology to the Tampa Bay business community. During my time as a manager with PNC Bank, I worked closely with local entrepreneurs and organizations to support growth and long-term financial success. I also have more than three years of hands-on experience with POS systems and payment solutions, which gives me a practical understanding of the challenges businesses face when choosing and implementing the right technology. Outside of work, I enjoy boating, hiking, fishing, and taking full advantage of Florida's outdoor lifestyle while building strong relationships throughout the community.
Banking BackgroundPOS Experience
Brian Menoher
Account Executive
I came to payment processing from the other side of the counter, and that perspective shapes everything about how I work with clients. After more than a decade owning and operating restaurants and bars in Tampa Bay, including building Bones Pizza Shack on St. Pete Beach from the ground up, I know firsthand what bad POS setups, confusing fees, and unreliable service can cost a business. That experience helps me connect especially well with restaurant, bar, and hospitality operators who need solutions built around how they actually run. When I'm not working with clients, you'll usually find me exploring the local food scene — old habits die hard.
Former Restaurant OwnerHospitality Specialist
Matt Johnstone
Sales Representative
After years in sales, I became increasingly frustrated by how often businesses were treated like numbers instead of valued clients. That's what led me to Zac and Tampa Bay Pay. His vision of bringing transparency, honesty, and integrity to an industry that's often confusing and misunderstood immediately resonated with me. Today, I focus on helping business owners find tailored payment solutions that fit their needs while making sure they feel informed, supported, and taken care of every step of the way. For me, great service isn't just part of the job — it's the standard.
Client FocusedTailored Solutions
Bleu
Chief Tail-Wagging Officer
Given away at a gas station in Florida, Bleu has been winning hearts since day one. Now proudly serving as Tampa Bay Pay's Chief Tail-Wagging Officer, he's on a mission to spread smiles everywhere we go — one wag at a time. With a nose for good vibes and an unshakable work ethic, Bleu reminds us that joy is part of the job. Some clients even ask to see him instead of Zac, and honestly, we get it. Whether he's supervising from under the desk, stealing snacks, or just being his adorable self, Bleu proves that great service should always come with a smile.
Good BoySt. Pete Beach
Trusted Platforms & Industry Partners
Built on strong relationships, led by the right primary partner
Tampa Bay Pay is independent by design, which means we're able to recommend the right solution for the business instead of forcing every merchant into the same platform. At the same time, some relationships play a larger role in how we serve clients today than others — and we believe in being honest about that.
PayBright
PayBright is currently Tampa Bay Pay's primary backend relationship and the platform we use for the vast majority of merchant placements today. It plays a major role in how we support merchants with payment processing, gateways, terminals, and scalable business solutions.
Primary partner
Laigle Business Group
Laigle Business Group is where our journey began and remains an important part of the Tampa Bay Pay story. It played a meaningful role in our early growth and development in the merchant services industry, and some partner solutions in our ecosystem trace back to that foundation.
Where it started
Additional Relationships
We also maintain newer and growing relationships with trusted partners such as Bryte Payment Solutions, Maverick, and RateTracker. While these represent a smaller share of our current volume, we value the flexibility they may provide depending on merchant fit and business need.
Flexibility
Technology matters, but fit matters more.
Depending on the business, Tampa Bay Pay may recommend different tools, platforms, or workflows — but the goal is always the same: match the right technology and backend support to the way the business actually operates.
Our Guarantee
We stand behind every promise
This is the only payments business in Tampa Bay built around honest pricing, hands-on support, and zero contracts. Here is what that means in practice.
01
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, no exceptions.
02
No rate increases — ever
We guarantee to never raise 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.
Free — No Commitment
See what you could be saving
Upload your current processing statement for a free rate analysis, or book a free consultation to explore the right solution for your business. No contracts, no pressure.
We match or beat any rate · $500 guarantee if we can't · No contracts ever · Built right here in Tampa Bay
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.
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.
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 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.
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.
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
Verified Reviews