Merchant Services in Tampa Bay | Tampa Bay Pay
Merchant Services in Tampa Bay

Have peace of mind knowing your merchant services are done right

Affordable merchant services with transparent pricing, no contracts, next-day funding, and real local support for Tampa Bay businesses.

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$0
Contracts or Cancellation Fees
24hr
Next-Day Funding
Local
Support You Can Reach
100+
Tampa Bay Businesses Served
Why Business Owners Switch

Affordable merchant services with transparent, no-games pricing

At Tampa Bay Pay, we make payment processing simple, transparent, and tailored to your business. Whether you are starting from scratch or tired of overpaying your current provider, we help you take control of your merchant services without the usual nonsense.

📋
No contracts or early cancellation fees
Month-to-month service only. No lock-ins, no gotchas, no breakup fee when you want out.
📈
No annual rate increases
We do not play the classic processor game of quietly bumping your costs after the honeymoon phase.
📞
Local support that actually responds
Call or text real people, not a mystery call center reading from a script and eating your afternoon.
🔒
PCI compliance guaranteed
Secure, compliant setups designed to protect your business and keep your payment systems on solid ground.
⚡
Next-day funding
Keep cash flow moving with fast, reliable deposits so your money gets where it belongs — your account.
💻
Fairly priced hardware
No predatory leases, no absurd markup, and no ancient terminal being passed off like it is cutting-edge tech.
Payment Solutions

Built for Tampa Bay businesses, not generic national templates

We are not a call center. We are your local payment partner, proudly based in St. Petersburg, Florida. We work with businesses across Tampa Bay to lower costs, improve systems, and make payment processing easier to manage day to day.

From retail stores and restaurants to contractors, service businesses, and subscription models, we match the right tools to how your business actually operates.

Next-Day Funding
Get your money into your bank account in less than 24 hours with a funding setup built for consistency and cash flow.
No Setup Fees and No Contracts
We earn your business every month. That is why we do not trap you with startup fees or long-term commitments.
Fully Transparent Pricing
We offer a free rate review and show you exactly what you are paying now versus what we can offer. If we cannot improve it, we will tell you plainly.
Local Support That Actually Helps
Refund issue? Chargeback? Equipment question? Call or text us directly and get an answer from a human being.
All-in-one solutions include:
✓POS systems
✓Mobile terminals
✓Online payments
✓Invoicing solutions
✓Subscriptions and recurring billing
✓Custom payment setups by industry
Who We Work With

Merchant services for businesses across nearly every industry

We support businesses already accepting payments, as well as new businesses getting set up for the first time. If you are not sure whether you are a fit, that is exactly what the free consult is for.

🍽Restaurants & Bars
🍗Food Trucks & Caterers
🛍Retail Stores
🔧Home Service Providers
🏥Medical & Dental Practices
💅Salons, Spas & Gyms
💻eCommerce & Subscription Services
🚀Startups
📊CPAs & Bookkeepers
⚖Law Firms
🛒Grocery & Convenience Stores
🍷Liquor Stores, Kava & Kratom Bars
⛽Gas Stations
🐶Veterinarians & Animal Hospitals
🚗Auto Shops & Dealerships
🛠Contractors & Builders
❤Non-Profits & Membership Organizations
🚬Smoke Shops
🎯Adult Entertainment
🔫Firearms & Guns (FFL Required)
Free Consultation

What happens during a free consult?

In less than 15 minutes, we can review where you are now, spot savings opportunities, and recommend the right setup for your business. No pressure. No strings attached.

During your free consult, we will:
1Review your current setup and pricing, if you already accept payments
2Identify opportunities to save money and improve your system
3Recommend custom solutions that fit your business needs
4Provide a clear proposal without pressure or salesy nonsense
Stop Overpaying. Start Growing.
Let us help you simplify payment processing and keep more of what you earn
Book your free consultation or send over your current processing statement for a free rate analysis. We will show you exactly where you stand and what better looks like.
Get Started Call or Text: (727) 732-3292
Serving St. Pete, Clearwater, Tampa, and beyond
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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Get in Touch With Our Tampa Payment Processing Team

Call/Text : (727) 732-3292

Email: [email protected]

Address: 136 4th St N, Suite 223, St Petersburg, FL 33701

Hours: Mon-Friday 10:00 a.m. – 7:00 p.m.

* By Appointment Only *

136 4th St N Ste 223, St. Petersburg, FL 33701, USA