We'll match or beat your
processing rate — or
pay you $500
Send us your most recent processing statement. We'll audit it line by line, calculate your real effective rate, and show you exactly where you're overpaying. If we can't beat it with comparable terms, you may qualify for the $500 guarantee. No contracts, no pressure, no follow-up sales calls if you say no.
Most business owners are overpaying — they just don't know it yet
Merchant statements are full of vague fees, padded markups, bundled software charges, and pricing structures designed to be hard to compare. Many businesses assume their rate is fine because nobody has ever broken it down clearly. Here are the six things we find most often when we audit statements.
What we'll show you that your current statement doesn't
Most processing statements are designed to be skimmed, not understood. You see the total fees and you see the volume, but the math behind it is hidden in pricing categories and line items that look intentionally confusing.
A Tampa Bay Pay rate review breaks all of that apart. You'll see your real effective rate, what you're actually paying per card type, and which line items are legitimate vs which are processor padding.
$500 if we can't beat your rate — that's not marketing fluff
We're confident enough in our pricing and our process to put real money behind it. If your current provider is genuinely giving you the best possible deal, the review proves it. If they aren't, we'll show you exactly where the savings are.
This isn't a gimmick — it's how we earn the right to a real conversation. Most businesses we review save 15-30% on processing costs once we restructure the pricing and strip out the junk fees. Some are shocked by how much they were overpaying.
Either way, you get clarity. You'll know your true effective rate, you'll see the markup spread your processor is earning on you, and you'll have a side-by-side comparison you can use however you want — switch to Tampa Bay Pay, use it as leverage with your current processor, or just be informed for the next time your rates "adjust."
A simple four-step review process
No endless sales pitch. No mystery. Just a straightforward analysis of what you're paying now versus what better options actually look like.
Three paths to beating your current rate
The $500 guarantee isn't a marketing stunt — it's backed by a simple process. When we review your statement, we pick the path that gets you to a lower cost than what you're paying now. Here are the three ways that usually plays out.
Local businesses choose us because the math actually checks out
We work for merchants — not banks, not processors, not software companies. Our job is to help business owners understand their options clearly and keep more of their money.
Rate review — answered
How long does the rate review take?
What documents do I need to send?
Is this really free? What's the catch?
How does the $500 guarantee work exactly?
What if my current processor matches your offer once I show them?
Do I need to switch processors if you find savings?
What if my statement is from a niche or high-risk processor?
Can I review multiple processors at once?
Upload your statement below
Send your most recent complete statement from the last 60 days — all pages showing rates, fees, and totals. If you have separate software, gateway, terminal, or lease fees, include those too. We'll get the analysis back to you within 24-72 hours.
Please include all pages showing fees, rates, and totals.
Por favor incluye todas las páginas que muestren tarifas, tasas y totales.
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.
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