Mobile Payments · Tampa Bay Pay
5.0 · Built for businesses on the move
Accept Credit Cards
Anywhere, Anytime
Take payments on a phone, a tablet, a handheld terminal, or by text — whatever fits how your business actually operates. Free mobile swipers, no contracts, no separate mobile fees. Local Tampa Bay setup and support.
Free · No commitment · Same rates as counter processing
Free mobile swipers
No setup fees
No separate mobile rate
$500 rate match guarantee
250+
Merchants Served
$0
Hardware Cost
24hr
Next-Day Funding
5.0★
Google Rating
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Why Mobile Payments
Get paid wherever your business takes you
Giving customers another way to pay can improve convenience, build confidence, and help you close more sales. With Tampa Bay Pay, businesses can accept card payments directly from an Apple or Android device — using a free swiper, tap-to-pay, a handheld terminal, or a text-to-pay link.
Mobile payments are a strong fit for businesses that operate outside of a traditional countertop environment. That includes delivery businesses, service professionals in the field, pop-up sellers, event vendors, contractors, and businesses that want a reliable backup method in case their primary point-of-sale system goes down.
Instead of chasing invoices or hoping to collect later, you can accept payments on the spot and keep cash flow moving. It's faster for you, easier for your customers, and a smarter way to stay flexible.
Built for real-world payments
Perfect for businesses that need to get paid on the go
Skip the generic stock photo nonsense. This is where mobile payments actually shine in day-to-day business.
On-site service calls
Take payment when the job is done instead of invoicing and waiting.
Take payment when the job is done instead of invoicing and waiting.
Delivery businesses
Make checkout easier wherever your team meets the customer.
Make checkout easier wherever your team meets the customer.
Pop-ups and events
Sell from your phone or tablet without needing a full POS setup.
Sell from your phone or tablet without needing a full POS setup.
Backup payment solution
Stay ready if your main terminal or POS system ever goes down.
Stay ready if your main terminal or POS system ever goes down.
The Real Cost of Not Taking Mobile Payments
Every "I'll send a check" is a 30-day delay.
The hardest cost to see in your business is the sale you almost closed. The job your tech finished but couldn't collect on. The customer who walked away because you couldn't take a card at the truck. Mobile payments solve that problem.
Here's how the common alternatives stack up against having mobile payments in your hand.
Cash or check only
No card option · Lose customers without cash on hand
Invoice and chase later
30-day collect cycle · 5-10% never gets paid
Square / Stripe mobile
Flat 2.6-2.9%+ · No local support · Frozen accounts common
Tampa Bay Pay Mobile
Free swiper · Same rates as counter · Real support · Next-day funding
No mobile setup at all
Backup goes down with your main POS · No fallback
Mobile Payment Methods
Eight ways to get paid
on the move
on the move
Apps, terminals, taps, and links — we set up whichever combination fits how your business actually operates.
1 / 8
Most merchants run two or three of these together. An app for the tech, a handheld for the crew, text-to-pay for after hours. We help you pick the mix that fits.
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Benefits
Why businesses choose mobile payment solutions
Mobile payments give business owners more flexibility, more convenience, and more ways to get paid without being tied to a front counter or full POS system.
Take payments anywhere
Accept credit card payments from your phone or tablet whether you're on-site, in the field, at an event, or making deliveries.
Get paid faster
Collect payment when the job is done or the sale is made instead of waiting to invoice later and chasing money after the fact.
Great backup option
Keep a reliable backup payment method ready in case your main terminal or point-of-sale system is ever down.
Best Fit
Who mobile payments work best for
Mobile payments are ideal for businesses that need flexibility and want to meet customers wherever the transaction happens.
Great for businesses on the go
If you're constantly moving between job sites, client locations, homes, or events, mobile payments let you take payment without needing to come back to the office or rely on a traditional terminal.
Contractors
Delivery Services
Field Service
Events
Perfect as a backup solution
Even businesses with a full point-of-sale system can benefit from mobile payments as a backup method when equipment fails, internet is spotty, or staff need another way to complete transactions quickly.
Retail Backup
Restaurant Backup
Emergency Checkout
Portable Sales
Better customer convenience
Customers appreciate being able to pay quickly and easily on the spot. The easier you make it to pay, the easier it is to close the sale and improve the overall customer experience.
Faster Checkout
Customer Confidence
More Convenience
Simple setup, real support
We help businesses choose the right mobile payment setup, get it configured properly, and stay supported after launch so you're not left figuring it out alone.
Local Support
Setup Help
Scalable
Frequently Asked Questions
Mobile payment questions — answered
What's the difference between mobile payment options like SwipeSimple, Clover Go, and tap-to-pay?
SwipeSimple is an app-based platform that works on any iPhone or Android device with a free swiper attachment — best when you want maximum flexibility and aren't tied to one POS ecosystem. Clover Go works inside the Clover ecosystem and connects to your existing Clover account. Tap-to-pay (on iPhone or compatible Android) lets you accept contactless payments without any extra hardware — just download the app and tap a customer's card or phone to yours. We help you pick the right one based on how you operate.
Is there a separate fee for accepting payments on a phone vs. a counter terminal?
No. With Tampa Bay Pay, mobile transactions process under the same merchant account and pricing structure as your counter payments. There's no premium for going mobile, no separate monthly software fee, and no hidden mobile surcharge.
Do I need to buy hardware?
Usually not. For SwipeSimple, we provide a free mobile card swiper that plugs into a phone or tablet. For tap-to-pay on iPhone or Android, no hardware is required at all. If you need a more rugged handheld terminal for field crews (like a Dejavoo P1 or PAX A920 Pro), we typically provide that at no upfront cost for qualifying merchants.
Can I use mobile payments as a backup if my main POS goes down?
Yes — and a lot of our merchants set it up specifically for that reason. Cellular signal works when WiFi doesn't. A mobile payment app on a manager's phone is a reliable backup when your terminal freezes, internet drops, or hardware fails. We can configure your mobile setup to share the same merchant account as your main system.
How fast does the money hit my account?
Same as any other transaction with us — next business day funding. Sales batched before the 11pm cutoff hit your account the following business day. Mobile transactions follow the same funding schedule as counter or terminal transactions.
Does tap-to-pay work on my phone?
It depends on your device. Tap-to-pay on iPhone works on iPhone XS or newer (with iOS 16.4+). Tap-to-pay on Android works on most modern Android devices with NFC. We'll check your specific phone during setup and recommend an alternative if your device isn't compatible.
Can I send a payment link by text to a customer who isn't with me?
Yes. Text-to-pay is one of the most popular features for field service businesses. We text the customer a secure payment link, they tap it, enter their card or bank info on their own device, and you get notified when they complete payment. Works great for jobs where the customer wasn't home at close-out or for invoiced work.
Is mobile payment processing secure?
Yes. All transactions are encrypted end-to-end and processed through PCI-DSS compliant infrastructure. Card data is tokenized — never stored in plain text on your phone or in any app. Mobile processing meets the same security standards as countertop terminal processing.
Related Solutions
Mobile payments pair well with these
Mobile Payments · Free Setup · No Contracts
Let's build the right mobile payment setup for your business
Whether you need a primary mobile payment solution or a reliable backup for your current system, we can help you choose the right setup and get started quickly. Most setups are running same week.
Flexible payment tools · Free mobile swipers · No contracts ever · Local Tampa Bay support
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