Solutions
Payment gateways for
every business model
Whether you're selling online, billing on a recurring schedule, accepting payments by phone, or running a subscription business — Tampa Bay Pay connects you with the right gateway and sets it up. 5 gateway options. One local team behind all of them.
5
Gateway Options
Same Day
Approval
24hr
Next-Day Funding
$0
Zero-Cost Option
The Basics
What is a payment gateway — and do you need one?
A payment gateway is the technology that securely transmits card data from your customer to your bank — whether that happens in person, online, by phone, or through a subscription system.
If you're only accepting payments in person with a terminal or POS, you may not need a separate gateway. But if you're running an online store, billing customers on a schedule, or taking payments over the phone — a gateway is what makes it possible, securely and compliantly.
Talk to us — we'll tell you exactly what you need →eCommerce & Online Stores
Sell on your website and accept card payments securely — with hosted payment pages that keep PCI scope off your servers.
Recurring Billing & Subscriptions
Automatically charge customers on a schedule — weekly, monthly, annually. Customer vault stores card data so you never re-enter it.
Virtual Terminal & Phone Payments
Accept cards over the phone or via a browser-based terminal — no hardware required. Ideal for service businesses and B2B.
Invoice Pay Links
Send an invoice with a payment link. Customer clicks, enters card, done. No terminal, no follow-up calls.
API & Custom Integrations
For businesses with custom-built software or complex billing needs — API-based gateways connect directly to your existing systems.
Our Gateway Partners
5 gateway options — we match the right one to your business
We're not tied to one platform. We evaluate your business model, volume, and integration needs — and recommend the gateway that actually fits.
⭐ TBP Primary Gateway
PayBright Gateway
Our ISO partner's gateway platform
Deeply integrated with our processing
Deeply integrated with our processing
PayBright Gateway is the gateway we use most — built by our ISO partner, meaning tighter integration, faster support, and better visibility into your account. Works for eCommerce, virtual terminal, recurring billing, and invoice payments. Dual pricing and cash discount compatible.
- Hosted payment pages (no PCI on your server)
- Virtual terminal — take cards by phone or browser
- Recurring billing and subscription management
- Customer vault — store cards for future billing
- Invoice pay links — email a link, customer pays
- Dual pricing compatible — $0 processing fees
- Same-day approval, next-day funding
- Direct support from our team, not a call center
High Volume · API
FluidPay
Built for high-volume billing
and developer-friendly API
and developer-friendly API
FluidPay is built for merchants with complex billing needs — high transaction volume, subscription management, and API-based integrations. If your business needs a gateway that can handle scale and connect directly to your software stack, FluidPay is the right fit.
- RESTful API — integrates with custom software
- Subscription and recurring billing management
- High transaction volume support
- Customer vault and tokenization
- Level 2 and Level 3 data for B2B processing
- Hosted checkout and custom form options
Industry Standard
Authorize.net
The most recognized gateway
in eCommerce and retail
in eCommerce and retail
Authorize.net has been the go-to gateway for online businesses for over 25 years. If your website platform, shopping cart, or software already integrates with Authorize.net, we can connect you with competitive processing rates while keeping your existing setup intact.
- Integrates with 170+ shopping carts and platforms
- Hosted checkout and API options
- Advanced fraud detection suite included
- Recurring billing and ARB tools
- Customer information manager (CIM) vault
- Widely supported — works with most software
Omnichannel
NMI
In-person, online, and mobile
in one unified platform
in one unified platform
NMI is an omnichannel gateway that bridges in-person terminals, online checkout, and mobile payments through a single integration. Ideal for businesses that need to accept payments across multiple channels and want everything reporting in one place.
- Unified in-person, online, and mobile payments
- White-label options for ISOs and resellers
- Extensive integration library
- Recurring billing and customer vault
- Detailed reporting across all channels
- Surcharge and cash discount compatible
High Volume · B2B
Hyfin
Built for complex billing
and high-volume merchants
and high-volume merchants
Hyfin is a gateway built for merchants with high transaction volume, complex billing structures, and B2B payment needs. If your business is outgrowing standard gateway options and needs something that can handle scale and sophistication, Hyfin is worth a conversation.
- High-volume transaction support
- Complex billing and subscription management
- B2B processing with Level 2/3 data
- ACH and eCheck processing
- Custom reporting and analytics
- API-first, developer-friendly integration
Quick Reference
Which gateway fits your use case?
Not sure which one is right? Here's how they stack up across the most common merchant needs. We'll always recommend the best fit after a quick conversation.
| Use Case | PayBright | FluidPay | Authorize.net | NMI | Hyfin |
|---|---|---|---|---|---|
| eCommerce / Online store | ✓ | ✓ | ✓ Best fit | ✓ | ~ |
| Recurring billing / Subscriptions | ✓ | ✓ Best fit | ✓ | ✓ | ✓ |
| Virtual terminal / Phone payments | ✓ Best fit | ✓ | ✓ | ✓ | ~ |
| Invoice pay links | ✓ Best fit | ✓ | ✓ | ✓ | ~ |
| High volume / enterprise | ~ | ✓ | ~ | ✓ | ✓ Best fit |
| B2B / Level 2 & 3 data | — | ✓ | ~ | ~ | ✓ Best fit |
| Dual pricing / zero-fee processing | ✓ Best fit | ✓ | ~ | ✓ | ~ |
| Custom API integration | ~ | ✓ Best fit | ✓ | ✓ | ✓ |
| Omnichannel (in-person + online) | ~ | ~ | ~ | ✓ Best fit | ~ |
✓ Full support · ~ Partial / available · — Not available. Talk to us — the right choice depends on your specific setup.
The Process
From application to live in days, not weeks
We handle the whole setup — you just tell us what you need.
01
Free consult — tell us your setup
15 minutes. We ask about your business model, volume, and what software you're using. We recommend the right gateway — not the most expensive one.
02
Apply — same day approval
Most gateway applications are approved the same day. We submit it for you and handle any underwriting questions directly.
03
We configure and integrate
We set up the gateway, configure your settings, and connect it to your website or software. You don't need a developer for most setups.
04
Go live — we stay available
Test transactions, verify everything works, go live. We stay available after — not an 800 number, not a ticket system. A real person who set it up.
Common Questions
Gateway questions — answered straight
Do I need a gateway if I already have a POS system?
Not necessarily. If you're only taking payments in person through a terminal or POS, your processing is handled directly and you don't need a separate gateway. You need a gateway if you want to accept payments online, by phone, via invoices, or on a recurring schedule. We'll tell you honestly in our first conversation whether you need one or not.
How much does a payment gateway cost?
Gateway fees vary by platform but typically include a small monthly fee ($10–$25/month) and a per-transaction fee (usually $0.10–$0.30/transaction). Some gateways charge a setup fee. We're transparent about all costs upfront — no surprises on your first statement. And on dual pricing or cash discount setups, the gateway cost is typically offset by eliminating your processing fees entirely.
Can I keep my existing website and just change the payment processor?
Yes — in most cases. If your website uses a shopping cart or eCommerce platform (WooCommerce, Shopify, Wix, etc.) we can connect a new gateway while keeping your site exactly as it is. The switch usually takes less than a day. If your current processor is overcharging you, changing the gateway behind the scenes is often the fastest way to save money.
What's the difference between a gateway and a processor?
The gateway is the technology that securely transmits card data — it's the "front end" of the transaction. The processor is the financial institution that actually moves money between banks — it's the "back end." You need both, but they're separate. Tampa Bay Pay handles both sides — we pair the right gateway with the right processing rates for your business.
Can I run dual pricing or cash discount through a gateway?
Yes — PayBright Gateway and several others support dual pricing and cash discount programs online. Your checkout can display both the cash price and the card price, and customers choose how they pay. When it works, your processing fees go to zero even on online transactions. We'll tell you if your use case qualifies.
Is it hard to switch from my current gateway?
For most businesses, switching gateways is straightforward. The part that requires the most care is migrating stored customer card data — most gateways support tokenized card migration so your customers don't have to re-enter their info. We handle the migration process and flag any issues before they become problems.
Free — No Commitment
Not sure which gateway
is right for you?
is right for you?
15-minute conversation. We'll look at your current setup, your business model, and your volume — and tell you exactly which gateway fits and what it'll cost. No pressure, no pitch.
We match or beat any rate · $500 guarantee if we can't · St. Pete based · real local 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