Keep 100% of Your Sales with a Compliant Fee-Offset Model

Want to eliminate your credit card processing fees? We can help you do that—legally and compliantly.

At Tampa Bay Pay, we specialize in helping businesses offset some or all of the processing fee by passing it to the customer using methods that follow Visa, Mastercard, and state regulations.

💡 Your Options: Passing Fees the Right Way

We’ll help you choose the right program based on how you do business:

1. Dual Pricing

Show both a cash price and a card price—like gas stations do.

✅ Fully compliant

✅ Works for retail, restaurants, service businesses, and more

✅ Customers choose how they want to pay

✅ You keep 100% of your revenue

2. Cash Discounting

Advertise your regular price, and offer a discount for cash or debit.

⚠️ This model only works if labeled and displayed properly—many setups are non-compliant.

✅ We’ll make sure yours isn’t one of them.

3. Compliant Surcharging

Add a fee only to credit card transactions at checkout.

⚠️ Must follow strict rules:

Not allowed on debit cards
Must be disclosed on receipts and signage
Not available in some states
Must register with Visa and Mastercard and wait 30 days

✅ We’ll make sure you’re set up properly if this route makes sense

4. Convenience Fee

Used for remote or online payments like emailed invoices.

Flat fee added to the transaction
Great for utilities, government, or B2B
Must be applied consistently

✅ We’ll guide you through compliant invoicing solutions

🛡️ Why Compliance Matters

Passing fees the wrong way can lead to fines, chargebacks, or account shutdowns.
We’ve helped dozens of businesses fix non-compliant setups and avoid penalties.
Just because you haven’t been caught doesn’t mean you’re not at risk. It’s like speeding—eventually someone will notice.
We follow Visa/MC guidelines and use only approved signage, receipt language, and hardware/software setups. Want proof? We’ll show you live examples.

📈 Why Businesses Choose This Model

Eliminated 100% of your processing costs with no customer pushback
Increase profits while staying transparent with customers

⚖️ Is Dual Pricing Right for You?

We’ll walk you through the pros and cons, and even give you a side-by-side comparison showing how much you’d save vs. absorbing the fees.
No guesswork. No cookie-cutter plans. Just the right setup for your business.