Pricing
★★★★★ 5.0  ·  The highest-rated payments team in Tampa Bay

Pricing built around
your business — not
a one-size-fits-all rate

Two clean ways to structure processing costs: absorb the fees with transparent interchange-plus pricing, or offset them with compliant dual pricing. We'll show you both and recommend what actually fits your business, customer base, and margins.

Get a Free Rate Review → Call/Text (727) 732-3292
$500 rate-beat guarantee · No contracts · No cancellation fees · No surprise charges
Two clear pricing models 20-50% typical savings vs Square/Stripe Next-day funding Local Tampa Bay team
$500
Rate-Beat Guarantee
20-50%
Typical Savings
$0
Cancellation Fees
5.0★
Google Rating
Our Approach

The best pricing model depends on how you run your business

Some businesses prefer to absorb processing fees and keep the checkout experience as simple as possible. Others want a compliant model that helps offset card costs. We walk you through both and recommend the option that fits your business type, customer base, margins, and goals — looking at your average ticket, industry, equipment needs, invoicing workflow, and whether you want to absorb fees or pass some or all of them along in a compliant way.

Our job is to help you understand the tradeoffs, not push you into a model that doesn't fit.

Every Tampa Bay Pay quote starts with a free rate review. Send us your current statement, we'll show you exactly where you're overpaying, model both pricing options for your business, and recommend the one that actually works. No mystery rates. No bait-and-switch. No surprise charges later.

Flat-Rate Processors vs Tampa Bay Pay

Where Square, Stripe, and PayPal quietly cost you more

Flat-rate pricing looks simple — 2.6%, 2.9%, easy to understand. The problem is it charges the same rate on every card, regardless of what that card actually costs to process. A regulated debit card costs the processor about 0.05% + 22¢. You're paying 2.6%+10¢ for the exact same transaction.

Interchange-plus pricing passes through the actual card cost plus a fixed markup, so debit transactions cost what debit transactions cost. Most businesses save 20-50% just by switching pricing models — same processing, same speed, same everything.

Get a Free Rate Review → Call (727) 732-3292
Where it shows up
Flat-rate processors
Tampa Bay Pay
Standard markup
Built into 2.6% rate
Interchange + 0.75% + 25¢
Card-present (in-person)
2.6% + 10¢ on every card
Card cost + 0.75% + 25¢
Card-not-present (online/keyed)
2.9-3.5% + 15-30¢
Card cost + 0.75% + 25¢
B2B / corporate cards
2.9% + 30¢ flat
Level 2/3 data unlocks lower interchange
Monthly fees
$0 (but rates higher)
$0-$50 depending on setup
Account stability
Aggregator MIDs freeze without notice
Dedicated MID structured to your business
Contract / cancellation
Month-to-month (but rates can climb)
Month-to-month · No cancellation fees
Rate-beat guarantee
N/A
$500 if we can't beat it
Two Pricing Models

The two main ways businesses structure processing costs

Most businesses fall into one of these two camps: absorb the fees with transparent interchange-plus pricing, or use a compliant pricing model that helps offset those fees. Both are legitimate. Which one works depends on your business.

📉
Option 1: Absorb the Fee
Interchange-Plus Pricing
Interchange-plus pricing is one of the most transparent payment processing pricing models available. You pay the wholesale card cost set by the card brands, plus a clearly defined markup. This model is often a strong fit for B2B companies, invoicing-heavy businesses, and merchants who prefer absorbing the fee as part of the customer experience.
Ideal for
B2B Companies Invoicing Professional Services Customer Experience Focused
Benefits
Transparent Scalable Lower Than Flat-Rate Easy to Audit
See If This Model Fits →
💡
Option 2: Pass the Fee to the Customer
Compliant Fee-Offset Models
For businesses that want to reduce or eliminate processing costs, we offer compliant dual pricing, cash discounting, credit card surcharging, and convenience fee setups where allowed. These models can be a strong fit for retail, restaurants, contractors, and many service businesses when implemented properly and disclosed correctly.
Ideal for
Retail Restaurants Contractors Service Businesses
Includes
Dual Pricing Cash Discounting Credit Surcharge Convenience Fee
Explore Fee-Offset →
Real Pricing Decisions
Eight businesses · eight
pricing-model decisions
Which model fits which business? Composite scenarios based on common setups. Yours probably looks like one of these.
1 / 8
Scenario 01Coffee Shop
Dual Pricing
☕
COFFEE SHOP · $4 AVG TICKET
Scenario 01 — Coffee Shop
Coffee Shop on Square
Dual pricing eliminates most of the fee load
A two-location coffee shop running $44K/month on Square at 2.6% + 10¢ was paying nearly $2,200/month in fees — and the 10¢ per-transaction killed them on 11,000 small tickets. Interchange-plus doesn't fix that math at $4 average ticket. Dual pricing did. Menu shows cash and card prices; about 30% of regulars switched to cash, the rest pay card and cover the fee. Net fee load dropped from $2,200 to about $350/month.
Recommended Model
Dual pricing · Small-ticket per-transaction fees compound under any pricing model; passing the card cost to the customer who chooses card is cleaner
Get My Rate Review →Learn Dual Pricing
Scenario 02Restaurant
Dual Pricing
🍕
PIZZA SHOP · $35 AVG TICKET
Scenario 02 — Pizza Restaurant
Pizza Shop · 2 Locations
Dual pricing eliminates ~$1,800/mo in card fees
A two-location pizza shop running $145K/month on Toast was paying around 3% effective — roughly $4,350/month in fees. Switching to dual pricing eliminated almost all of it. Menu shows two prices: cash and card. Customers self-select; those who pay cash get the discount, those who pay card cover the fee. Net fee load dropped to about $400/month (the no-customer-side transactions like delivery apps and gift card purchases).
Recommended Model
Dual pricing · Higher average ticket + retail/restaurant model + customers expect to see card-vs-cash pricing
Get My Rate Review →Learn Dual Pricing
Scenario 03B2B Service
Interchange-Plus
💼
B2B AGENCY · $80K/MO INVOICED
Scenario 03 — B2B Agency
B2B Marketing Agency
Level 2/3 data on corporate cards drops rate dramatically
A B2B agency invoicing $80K/month had a lot of corporate-card clients — high-cost cards under flat-rate pricing. On Square or Stripe, they were paying 2.9% + 30¢ flat regardless of card type. Interchange-plus with Level 2/3 enhanced data unlocks substantially lower interchange rates on B2B cards — typically 0.5-1.0% lower per transaction. On $80K/month of B2B volume, that's around $600-$800/month in savings.
Recommended Model
Interchange-plus + Level 2/3 · B2B clients expect to pay invoices without surcharges; the savings come from the card-type optimization
Get My Rate Review →B2B Invoicing
Scenario 04Contractor
Dual Pricing
🛠️
CONTRACTOR · $1,500 AVG TICKET
Scenario 04 — Contractor
Home Remodeling Contractor
$1,500 average ticket · Dual pricing on invoices
A home remodeling contractor was eating 2.9% + 30¢ on every card payment — about $45 per $1,500 ticket. Across 40 jobs/month, that's $1,800/month in fees. Dual pricing on invoices presents a cash/ACH price and a card price upfront. Most clients on big-ticket invoices choose ACH for the discount, and the ones who pay card cover the fee. Net fee load on those 40 jobs dropped from $1,800 to about $200/month.
Recommended Model
Dual pricing on invoicing · Big tickets + clients have ACH available + transparent two-price disclosure feels normal at this transaction size
Get My Rate Review →Trade Solutions
Scenario 05Medical
Interchange-Plus
🏥
MEDICAL PRACTICE · COPAYS + MEMBERSHIPS
Scenario 05 — Medical Practice
Medical Practice
Absorb fees · Patient experience matters
A medical practice processing copays, deductibles, and concierge memberships didn't want surcharge messaging at checkout — patients already feel uncomfortable about medical bills. Interchange-plus pricing absorbed by the practice keeps the checkout experience clean while still saving 25-30% vs flat-rate. ACH for recurring memberships drops cost further on the high-volume recurring billing side.
Recommended Model
Interchange-plus · Patient experience is the priority; combine with ACH for memberships where it makes sense
Get My Rate Review →Recurring Billing
Scenario 06Auto Repair
Dual Pricing
🔧
AUTO REPAIR · $850 AVG TICKET
Scenario 06 — Auto Repair
Independent Auto Repair Shop
$850 average ticket · Dual pricing on invoices
An independent auto repair shop was paying about 2.8% + 25¢ on $185K/month — roughly $5,400/month in fees. Customers generally expect car repair to cost what it costs and don't push back on the "card price" disclosure. Dual pricing reduced their net fee load by about 80%, with customers choosing card most of the time but absorbing the fee themselves. Owner reinvested the savings in tools and an additional bay.
Recommended Model
Dual pricing · High-ticket repair work + customer expectation of upfront pricing disclosure + culturally normal to see "card price"
Get My Rate Review →Learn Dual Pricing
Scenario 07E-Commerce
Interchange-Plus
🛒
E-COMMERCE · $80 AOV
Scenario 07 — E-Commerce
E-Commerce Brand
$80 AOV · Interchange-plus cleaner than Stripe flat-rate
An e-commerce brand at $80 AOV was on Stripe paying 2.9% + 30¢ — about 3.3% effective on $200K/month volume. Conversion matters more than fee savings; surcharges hurt cart abandonment. Interchange-plus dropped their effective rate to around 2.5% with no checkout changes — ~$1,600/month in savings without touching the customer experience. Saved another ~$400/month by getting Level 2 data on the AmEx and Visa Business cards in their B2B segment.
Recommended Model
Interchange-plus · E-commerce conversion is the priority; surcharges kill carts at this AOV; savings come from card-type optimization
Get My Rate Review →Payment Gateways
Scenario 08Franchise
Custom Enterprise
🏢
FRANCHISE · 100 LOCATIONS
Scenario 08 — Multi-Location Franchise
100-Location National Franchise
Custom enterprise pricing · Centralized reporting
A 100-location national franchise wasn't using a standard pricing model at all — at that volume, the conversation is about consolidated reporting, custom interchange-plus tiers, batch-level reconciliation, franchise-HQ visibility, and migration cost coverage. Custom enterprise pricing built around volume tiers, standardized rates across locations, and centralized reporting infrastructure. Each franchisee benefits from the group rate without managing it individually.
Recommended Model
Custom enterprise pricing · Volume tiers + centralized reporting + standardized rates + franchise-level admin tools
Get My Rate Review →Call (727) 732-3292
Composite scenarios. Real pricing patterns. Specific savings depend on volume, card mix, and ticket size — get a rate review for your actual numbers.
Get Mine →
Our Promise & Guarantee

Transparent pricing, no surprises, $500 if we can't beat your rate

Pricing transparency is the easiest place for processors to take advantage of merchants. Hidden tiers, surprise increases, "non-qualified" reclassifications — we've seen it all. Here's what we commit to instead.

What we promise
We'll always show you your options clearly, explain how the pricing works, and match or beat competing offers whenever we can. No mystery rates, no bait-and-switch, no surprise charges later. Everything's documented in writing before you sign anything.
Transparent pricing you can actually understand
Compliant fee-offset options when appropriate
Pricing based on your business, not a template
No long-term contracts or cancellation fees
Documented in writing before you sign
Rate reviews every 6-12 months to stay competitive
$500 Rate-Beat Guarantee
If we can't meet or beat your current effective rate with comparable terms, we'll pay you $500. That's not marketing fluff — that's us putting skin in the game. Send us your most recent processing statement and we'll do the math in front of you.
Get Your Rate Reviewed →
Frequently Asked Questions

Common questions about payment processing pricing

What is your lowest rate?
It depends on your volume, industry, risk profile, and setup. Rates are negotiable based on processing history and needs. For many new low-risk businesses that choose to absorb the fees, a common starting point is interchange plus 0.75% and $0.25 per transaction, with a monthly fee often ranging from $0 to $50 depending on software, service level, and equipment.
Can I pass the fee to the customer, and is that legal?
Yes, but only if it's done correctly. We offer compliant dual pricing, cash discounting, surcharging for credit only, and convenience fee models where appropriate. Visa and Mastercard have specific rules, and we follow them closely. No grey-area nonsense.
How fast do I get my money?
Most clients receive deposits the next business day. In some cases, same-day funding may also be available depending on the processor and batch timing.
Do you charge monthly fees or equipment fees?
It depends on your setup. Some businesses pay no monthly fees, while others need software integrations, mobile tools, gateways, or POS systems. We go over this upfront so nothing shows up later as a surprise.
Is dual pricing or cash discounting the same as a surcharge?
No. They're different models. A surcharge adds a fee at checkout and can only apply to credit cards. Dual pricing shows both a cash and card price upfront. Both can be compliant when structured properly, and we help determine which is the better fit.
Can you really beat Square or Stripe?
Usually, yes. Flat-rate pricing from providers like Square or Stripe may look simple, but it's often expensive — especially on debit cards and lower-cost transactions. With interchange-plus pricing or a compliant fee-offset setup, we can often save businesses 20% to 50% or reduce their costs dramatically.
What if I already have equipment or software?
That's often not a problem. We work with many gateways, CRMs, POS systems, invoicing platforms, and mobile devices. In a lot of cases, we can integrate with what you already use or help you transition smoothly if an upgrade makes more sense.
Do I have to sign a long-term contract?
No. Most of our solutions are month-to-month with no cancellation fees. If we don't earn your business every month, we don't deserve it.
⭐⭐⭐⭐⭐
The highest-rated payments team in Tampa Bay
157+ five-star Google reviews · 172 total across platforms
Get My Rate Review →
Interchange-Plus Dual Pricing Merchant Services Free Rate Review Apply Now All Solutions
Need help choosing the right pricing model?
Send us your statement — we'll show you what fits and what it would save
Free rate review with no commitment. We'll compare your current pricing against both models, show you the math, and recommend what actually fits your business. If we can't beat it, $500 is yours.
Get a Free Rate Review → Book a Free Consult
$500 rate-beat guarantee · No contracts · Local Tampa Bay team · (727) 732-3292
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
Read all 157 five-star reviews on Google →
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.

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★★★★★
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