Professional Services & B2B Payments
★★★★★
5.0 · The highest-rated payments team in Tampa Bay
Stop paying to collect
your own invoices
Dual pricing, ACH, recurring billing, and QuickBooks-connected invoicing for accountants, consultants, agencies, and every other service business sending invoices. Your clients pay you — you shouldn't be writing off 2.9% of every dollar to get there.
No contracts · Local Tampa Bay support · Works with QuickBooks
Dual pricing on invoices
ACH for large tickets
QuickBooks-friendly setup
Recurring & retainer billing
~0%
Effective cost with dual pricing
ACH
Flat-fee on any invoice size
QBO
QuickBooks-connected
$0
Cancellation fees
Built for Service Firms
Most service businesses are paying to collect their own revenue — and don't have to
A consulting firm invoicing $60K/month pays roughly $1,740/month in processing fees at 2.9%. Over a year, that's $20,880. Dual pricing, ACH, or a combination of both can bring that number to near zero — without changing how you invoice, what software you use, or how clients experience the billing process.
Professional service firms have a payment problem that looks simple on the surface but compounds fast: every invoice paid by card takes 2.9% off the top. For firms doing $30K, $60K, or $100K/month in billing, that's a meaningful line item absorbed silently every month.
Tampa Bay Pay helps service businesses replace that silent expense with a better structure — dual pricing so card-paying clients cover the fee, ACH for clients on recurring billing or large invoices, and a setup that connects to your existing invoicing and accounting tools.
The three levers that change the math
1Dual pricing — invoices show a cash/ACH price and a card price. Clients who pay by card cover the fee. You keep the full amount.
2ACH — low per-transaction cost regardless of invoice size. Eliminates card percentage fees entirely on clients who pay by bank transfer.
3Interchange-plus pricing — if you keep card processing, this structure stops you from overpaying on every transaction through a flat-rate processor.
Most service firms are using none of these — and absorbing thousands a year as a "cost of doing business."
A cost review takes 10 minutes. We'll show you exactly what your firm is paying, what dual pricing or ACH would save, and what the right setup looks like for your billing model. No system changes required to see the numbers.
Payment Solutions
What Tampa Bay Pay sets up for professional service firms
Every solution is built to work alongside your existing invoicing and accounting software. No platform replacement — just a better payment layer.
💰
Dual pricing on invoices
Your invoices and payment links show two prices — a cash/ACH price and a card price (typically 4% higher). Clients who pay by card cover the processing cost. Clients who pay by ACH or check pay the lower price. You collect the full amount either way. Works on BillerGenie invoices, hosted payment links, and text-to-pay — not just in-person.
Why it's the lead option
Near-Zero Processing Cost
Works on All Invoice Types
Client Chooses How They Pay
Legal in Florida
🏦
ACH for large & recurring invoices
ACH is the smartest tool for recurring retainers, large project invoices, and any client who pays the same amount on a regular schedule. ACH costs a small fixed fee plus a low percentage — far less than 2.9% on large invoices. A $5,000 monthly retainer paid by card costs roughly $145. Paid by ACH, it costs a fraction of that regardless of size.
Best fits
Monthly Retainers
Large Project Invoices
Recurring Service Plans
B2B Billing
🧾
Professional invoicing & payment links
Send polished, branded payment links by email or text. Clients click, see the payment options (including dual pricing), and pay. Automated reminders reduce chasing. Works for one-time invoices, recurring billing, and deposit collection on new engagements.
Features
Branded Payment Links
Text-to-Pay
Auto-Reminders
Deposit Collection
📚
QuickBooks integration
Payments sync directly to QuickBooks Online or Desktop — no manual reconciliation, no double entry. Dual pricing and ACH transactions map cleanly to your chart of accounts so your books stay accurate without extra work from your team.
Integrates with
QuickBooks Online
QuickBooks Desktop
Auto-Reconciliation
Clean Reporting
🔁
Recurring billing & retainer automation
Set up automatic billing for monthly retainers and service plans. Clients authorize once — payments run on schedule with no manual collection effort. Failed payment recovery retries automatically. Clients can update their own payment method through a self-service portal.
Strong fits
Monthly Retainers
Service Plans
Auto-Retry on Failures
Client Self-Service Portal
📞
Local, hands-on support
Your billing touches cash flow, client experience, and your firm's reputation. When something breaks or a configuration question comes up, you want a real person locally — not a support ticket queue. Tampa Bay Pay provides direct access and same-day responses for active clients.
Support model
Direct Contact
Same-Day Responses
Tampa Bay Based
Dual Pricing for Service Firms
Why dual pricing on invoices
is the strongest move for most service businesses
Every service firm invoicing clients by card is absorbing a fee they don't have to. Dual pricing shifts that cost to the clients who choose to pay by card — while giving every other client a lower price for paying by ACH or check.
How it works on an invoice
Your invoice or payment link shows two prices: a cash/ACH price and a card price (typically 4% higher). The client sees both at checkout and chooses how to pay. Either way, your firm collects the full base amount. No fees absorbed, no end-of-month processing expense on your statement.
Most B2B clients who pay large or recurring invoices will choose ACH once the option is presented clearly — they'd often prefer not to put a $5,000 invoice on a card anyway. The clients who want to pay by card simply pay the card price and the fee is covered.
Example — $5,000 monthly retainer
ACH / check price
$5,000.00
Card price (4% added)
$5,200.00
Processing cost to your firm
$0.00
Without dual pricing
Agency billing $80K/month absorbs ~$2,320/month in card fees at 2.9% — $27,840/year written off as overhead.
With dual pricing
Same $80K/month in billing. Clients who pay by card cover the fee. Clients on ACH pay a low per-transaction cost — far less than 2.9%. Firm's effective processing cost: near zero. That's $27,840/year back.
ACH even without dual pricing
A $10,000 project invoice paid by card at 2.9% costs $290. Paid by ACH, the cost is a small fixed fee plus a low percentage — a fraction of that. For large B2B invoices, ACH alone changes the economics significantly.
Do B2B clients push back?
Rarely. Most business clients understand the distinction between card and ACH pricing. Many prefer ACH for large invoices — no card limit concerns, cleaner records, faster reconciliation on their end too.
Real Business Scenarios
How service firms actually
use Tampa Bay Pay
use Tampa Bay Pay
Common setups we build. Yours probably looks like one — or a mix.
1 / 5
Scenario 01Marketing Agency
Dual Pricing + QBO
📣
MARKETING AGENCY · $80K/MO
Scenario 01 — Marketing Agency
Marketing Agency
Dual pricing on all invoices · $27K/year recovered
A marketing agency billing $80K/month was absorbing roughly $2,320/month in card fees at 2.9% — across retainers, project invoices, and ad management billings. Some clients always paid by card; some always paid by ACH. Dual pricing on every invoice shifted the fee to clients who chose card. Clients on ACH paid the base price. The firm's effective processing cost on all billing dropped to near zero — saving roughly $27,840 a year.
Their Setup
Dual pricing invoices via BillerGenie + QuickBooks sync + ACH for retainer clients + auto-reminders on outstanding balances
Scenario 02Accounting Firm
ACH Primary
📊
ACCOUNTING FIRM · MONTHLY RETAINERS
Scenario 02 — Accounting Firm
CPA & Bookkeeping Firm
Monthly retainers on ACH · Dual pricing for tax season
A CPA firm with 60 monthly bookkeeping clients was billing $1,500–$3,000/month per client and eating 2.9% on every card payment. Most clients actually preferred ACH — they just weren't offered it clearly. Moving recurring retainer clients to ACH dropped the per-transaction cost from $43–$87 to a small ACH fee — a fraction of the card cost. Dual pricing on tax preparation invoices covered the rest. Total monthly processing cost across all billing fell below $100.
Their Setup
ACH recurring billing for monthly retainers + dual pricing payment links for tax prep and project work + QuickBooks sync
Scenario 03IT / MSP
Recurring + Dual Pricing
💻
IT MANAGED SERVICES · 40 CLIENTS
Scenario 03 — IT / MSP
IT Managed Services Provider
40 clients on recurring ACH · Project work on dual pricing
An MSP with 40 managed services clients had two billing types: flat monthly contracts ($800–$2,500/month) and project-based work billed ad hoc. Monthly contracts moved to ACH recurring — clients were notified once, authorized once, and payments ran automatically. Project invoices used dual pricing so clients paying by card covered the fee. The owner eliminated about 12 hours/month of payment chasing and dropped total processing cost to near zero.
Their Setup
ACH recurring billing for monthly contracts + dual pricing invoices for project work + auto-retry for failed payments + client self-service portal
Scenario 04Consulting
Large Invoices + ACH
💼
CONSULTANT · HIGH-TICKET PROJECTS
Scenario 04 — Consulting
Independent Consultant
$10K–$25K project invoices · ACH eliminates percentage fees
A strategy consultant sending 4–6 project invoices per month at $10,000–$25,000 each was losing $290–$725 per invoice to card processing at 2.9%. On a $15,000 invoice, that's $435 gone before the money even clears. Offering ACH as the primary payment option — clearly presented on every invoice — meant most clients paid by bank transfer. Dual pricing covered any client who insisted on card. Monthly processing cost went from $1,200+ to under $50.
Their Setup
Dual pricing payment links with ACH as the default option + automated invoice reminders + clean QuickBooks reconciliation
Scenario 05Creative Agency
Outgrew Stripe
🎨
CREATIVE AGENCY · OUTGREW STRIPE
Scenario 05 — Creative Agency
Creative & Design Agency
Left Stripe · Dual pricing + ACH · Better economics at scale
A creative agency had been on Stripe for years — simple setup, easy invoicing, but an effective rate creeping toward 3.1% with Stripe's fees and add-ons. As monthly billing crossed $45K, the math stopped working. Switching to a proper merchant account with dual pricing and ACH options dropped their effective rate dramatically. Stripe's flat rate looked fine at $10K/month; at $45K/month the difference was over $900/month.
Their Setup
Merchant account (interchange-plus) + dual pricing on client invoices + ACH for retainer clients + BillerGenie invoicing replacing Stripe's billing
Every business is different. Your billing model, average invoice size, and client mix determine the right combination.
Build My Setup →
Who This Is For
Professional and B2B businesses we work with
Any service business that sends invoices, bills recurring retainers, or collects from business clients has the same core opportunity — stop absorbing fees that better structure would eliminate.
📊
Accountants & Bookkeepers
Monthly retainer clients are perfect for ACH. Tax prep and project work are ideal for dual pricing. QuickBooks sync keeps the books clean.
📣
Marketing & PR Agencies
High monthly billing volume makes dual pricing and ACH high-impact fast. $80K/month in billing = $27K/year in recoverable fees.
💻
IT & Managed Services
Recurring managed services contracts are a natural fit for ACH automation. Project billing runs on dual pricing. Eliminates manual collections almost entirely.
💼
Consultants & Coaches
Large project invoices where card fees are disproportionate. Most business clients prefer ACH for high-dollar payments anyway — you just need to offer it clearly.
🎨
Creative & Design Agencies
Often on Stripe or Square past the point where flat-rate pricing makes sense. A proper merchant account + dual pricing changes the math at scale.
🏢
B2B Service Firms
Any B2B business billing other businesses — the combination of ACH-friendly clients and dual pricing creates the strongest economics of any payment model.
Cost Review
See what your firm is actually paying to collect its revenue
If you're on Stripe, Square, or a bundled invoicing processor — or just not sure what you're paying — a cost review shows your exact effective rate, where the money is going, and what dual pricing and ACH would save based on your actual billing volume.
The review is straightforward — no surprises:
1No system changes required just to see the numbers
2No obligation and no pressure to switch
3Clear side-by-side: what you pay now vs. what dual pricing or ACH would cost on your actual volume
4A practical setup recommendation based on your billing model — invoicing, retainers, project work, or all three
5If we can't beat your current rate, we'll pay you $500 — that's our guarantee
Frequently Asked Questions
B2B payment processing — answered
Can we use dual pricing on invoices we send to business clients?
Yes — and B2B billing is one of the strongest fits for dual pricing. Your invoice or payment link shows a cash/ACH price and a card price (typically 4% higher). Business clients who pay by card cover the processing fee. Clients who pay by ACH or check pay the base price. Florida law permits this when correctly disclosed. Tampa Bay Pay sets up the invoicing configuration and ensures the pricing structure is compliant.
Will business clients push back on dual pricing or ACH?
Rarely. Most business clients understand the distinction between card and ACH pricing — and many actually prefer ACH for large invoices. They don't want to put a $5,000 retainer on a card, deal with card limits, or wait for points that won't offset the fee they'd cause you to absorb. When the option is presented clearly on the invoice, most B2B clients self-select to ACH for large or recurring payments.
Does dual pricing work with QuickBooks?
Yes. Tampa Bay Pay's invoicing and payment setup integrates with QuickBooks Online and Desktop. Dual pricing and ACH transactions map cleanly to your chart of accounts — no manual reconciliation, no double entry. The payment layer connects to your accounting workflow rather than creating extra work around it.
When does ACH make more sense than dual pricing — and can we use both?
Both work well together and most firms use them in combination. ACH is the strongest tool for recurring retainers and large invoices where the client pays the same amount on a predictable schedule — the per-transaction cost is a small fixed fee plus a low percentage, far less than 2.9% on any meaningful invoice size. Dual pricing is the best tool for clients who insist on paying by card — the fee gets covered rather than absorbed. A well-structured setup usually has ACH as the default for recurring clients and dual pricing available for everything else.
We're currently on Stripe — is switching complicated?
Not usually. Stripe is one of the most common setups we see service firms outgrow. The transition is straightforward — we handle the merchant account setup, configure BillerGenie invoicing with dual pricing and ACH options, and connect it to your QuickBooks. The switch is typically complete within a few business days. Your invoicing workflow stays familiar; the economics improve considerably at any meaningful volume.
Are there contracts or cancellation fees?
No. Every Tampa Bay Pay arrangement is month-to-month with no cancellation fees and no early termination fees. You stay because the setup works for your firm.
⭐⭐⭐⭐⭐
The highest-rated payment solutions team in Tampa Bay
157+ five-star Google reviews · 172 total across platforms
Request a Payment Cost Review
Stop paying to collect your own revenue
Tell us your monthly billing volume and what you're currently using. We'll show you exactly what dual pricing and ACH would save your firm — no system changes required, no obligation to switch.
$500 rate-beat guarantee · No contracts · QuickBooks-friendly · 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
Featured On · The Paycast Network
Zac on The Paycast Network
Founder Zac Gottlieb joined The Paycast Network to talk transparency, interchange, and what it really takes to build a payments brand local businesses trust.
Why Most Processors Hide Their Real Fees
Zac Gottlieb with host Chase · The Paycast Network
Breaking down interchange rates, the hidden costs of flat-rate pricing, and why merchant processors should be held to the same professional standards as CPAs, lawyers, and bankers.
Transparency
Interchange
Jun 2026
Handshakes, High Standards & Einstein's Hair
Zac Gottlieb, with Andrew Gill & Clay Shivers · The Paycast Network
A roundtable on building a standout payments brand in 2026 — why branding is a stamina game, and why in an automated world the person behind the terminal is still your most valuable asset.
Branding
Roundtable
May 2026
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