$500 Rate Match Guarantee
We’ll Match or Beat Your Processing Rate — Or Pay You $500
Upload your statement and we’ll complete a free payment processing analysis. If we can’t match or beat your current effective rate and total monthly cost, we’ll pay you $500.
24–72hr
Typical Review Time
$500
Rate Match Guarantee
150+
Five-Star Reviews
Local
Tampa Bay Team
Why This Matters
Most business owners are overpaying — they just do not know it yet
Merchant statements are full of vague fees, padded markups, bundled software charges, and pricing structures that are hard to compare. Many businesses assume their rate is fine simply because nobody has ever broken it down clearly.
Hidden processor markups
Many statements bury markup inside confusing pricing categories so business owners never see what they are actually paying.
Inflated flat-rate pricing
Simple flat rates may look convenient, but they often cost more than interchange-plus or a better-structured solution.
Bundled POS and software fees
POS systems, gateways, terminals, and software fees are often bundled in ways that hide the true monthly cost.
Intro rates that creep up
Some providers win the deal with teaser pricing, then quietly raise fees later when the merchant stops paying attention.
Statements that hide the truth
If your statement does not clearly show interchange, markup, and effective rate, there is a good chance you are paying too much.
Death by random fees
PCI fees, gateway fees, service fees, statement fees, and terminal charges add up fast when nobody audits them properly.
The Guarantee
Our $500 rate match guarantee
If Tampa Bay Pay cannot match or beat your current effective rate and total monthly cost, we will pay you $500. No contracts. No pressure. No games. Just math.
This is not a gimmick. We are confident enough in our pricing and our process to put real money behind it. If your current provider is truly giving you the best possible deal, great — now you will know. If not, we will show you exactly where the savings are.
Either way, you get clarity. Most businesses save money. Some are shocked by how much they were overpaying.
How the guarantee works
✔Submit your most recent complete statement
✔We review rates, fees, software costs, and total monthly expense
✔We provide a side-by-side comparison
✔If we cannot beat it, you may qualify for the $500 guarantee
✔See full terms and conditions before submitting
How It Works
A simple four-step review process
No endless sales pitch. No mystery. Just a straightforward review of what you are paying now versus what better options may look like.
1. Send your statement
Upload your most recent complete processing statement from the last 60 days, including all pages showing fees, rates, and totals.
2. We break it down
We analyze the full statement, including markup, monthly fees, software costs, and effective rate. Most reviews are completed within 24–72 hours.
3. You get proof
We show you a clear side-by-side comparison of your current costs versus our recommended structure.
4. You decide
Switch and save, stay where you are, or collect $500 if we cannot beat it and you qualify under the posted terms.
Why Tampa Bay Pay
Why local businesses choose Tampa Bay Pay
We work for merchants — not banks, processors, or software companies. Our job is to help business owners understand their options clearly and keep more of their money.
Interchange-plus pricing
Transparent pricing structures designed to show you the real cost instead of hiding margin inside vague buckets.
No long-term contracts
We do not believe in handcuffing merchants with long commitments and cancellation fees just to keep an account.
Real solutions, not just rates
Pricing matters, but so do software, support, equipment, integrations, and how the full setup actually works for your business.
Local team
We are based in Tampa Bay and support businesses here every day. Real people. Real accountability.
Highest-rated in town
Tampa Bay Pay has built a strong reputation locally by showing up, solving problems, and staying available after the sale.
No pressure
This review is designed to give you facts. You can move forward or not. Either way, you will know what you are really paying.
Ready to Find Out What You’re Really Paying?
Get your free rate review
Most reviews are completed within 24–72 hours. Most businesses save. Some are shocked. Nobody regrets checking.
Upload your most recent complete statement
We analyze rates, fees, and known software costs
You get a clear side-by-side comparison
Secure Submission
Upload your statement below
Please include your most recent complete statement from the last 60 days, including all pages that show rates, fees, and totals. If you have separate software, gateway, terminal, or lease fees, include those too.
Legal or DBA name as shown on your statement. (Nombre legal o nombre comercial (DBA) tal como aparece en tu estado de cuenta.)
PDF or clear photo — required from the last 60 days. (PDF o foto clara — requerido dentro de los últimos 60 días.)
Please include all pages showing fees, rates, and totals.
Por favor incluye todas las páginas que muestren tarifas, tasas y totales.
(POS, invoicing, gateway, terminals, leases, etc.) (POS, facturación, plataforma de pago, terminales, arrendamientos, etc.)
By submitting this form, you agree to our $500 Rate Match Guarantee terms and conditions.
Al enviar este formulario, aceptas los términos y condiciones de nuestra Garantía de Igualación de Tarifas de $500.
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