Payment Processing · Restaurants & Bars
★★★★★
5.0 · The highest-rated payments team in Tampa Bay
Stop overpaying on every
table, tab, and ticket
Tampa Bay Pay helps restaurants and bars across Tampa Bay cut processing costs, eliminate hidden fees, and run a faster checkout — with dual pricing, free POS equipment, no contracts, and local support that actually picks up the phone.
$500 rate-beat guarantee · No contracts · Free equipment · Local Tampa Bay team
Full-service restaurants
Bars & taprooms
QSR & fast casual
Cafés & coffee shops
Food trucks
Multi-location groups
~0%
Effective cost with dual pricing
FigurePOS
Preferred restaurant POS
$0
Cancellation fees
24/7
POS support
The Problem
Most Tampa Bay restaurants are overpaying — and don't know it
Restaurant margins are thin. Credit card processing fees shouldn't be eating them alive. Between flat-rate pricing, hidden fees, equipment leases, and processors that raise rates mid-contract, most restaurant owners are leaving thousands of dollars a year on the table.
Flat-rate pricing that sounds simple but costs more
Processors like Square and Toast use flat rates that are easy to understand but consistently more expensive than interchange-plus at any meaningful volume.
Contracts that lock you in for years
Many restaurant POS and processor bundles come with 3–5 year contracts and early termination fees that prevent switching even when you're being overcharged.
Support that disappears after the sale
A terminal goes down on a Friday night and you're on hold with a national call center. Tampa Bay Pay is local — we pick up and we can be there.
The wrong system for how you actually run
A POS designed for retail doesn't understand tabs, splits, course timing, or kitchen display workflows. The wrong technology creates friction at every service point.
Point of Sale Systems
We match the right POS to your restaurant type
We're not tied to one system. We evaluate your operation — service style, volume, staffing, online ordering needs — and recommend the right fit. Then we install it, train your team, and stay available when you need us.
Most Popular · Restaurants
FigurePOS
Full-service restaurants, bars, multi-concept
Tableside ordering and payment
Tab management and bar operations
Split checks, course firing, modifiers
Kitchen display system (KDS) integration
Online ordering and delivery integration
Real-time sales reporting and labor tools
Gift cards and loyalty programs
Dual pricing fully supported
Clover
Versatile — cafés, QSR, food trucks, bars
Flexible hardware (Station, Mini, Flex)
Large app marketplace for custom workflows
Counter service and tableside options
Strong reporting and inventory
Employee management and scheduling apps
Dual pricing supported
SwipeSimple
Food trucks, pop-ups, catering, mobile bars
App-based — works on any smartphone
No fixed hardware required
Fast transaction flow for high-volume events
Works anywhere with cell service
Simple item catalog and tip prompts
Restaurant Pricing Options
Stop absorbing fees your customers should be choosing
Most restaurants don't realize they have options beyond flat-rate processing. Dual pricing, cash discounting, or interchange-plus — all three are available, and dual pricing is the strongest option for most. Nearly zero processing cost when set up correctly.
Dual Pricing
Cash $100 / Card $104 — both prices posted. Customers choose. You keep 100% either way.
Cash Discounting
Card price is standard. Cash customers save a percentage. You offset the fee.
Interchange-Plus
Transparent cost-plus pricing — typically lower than flat rate for restaurants above $15K/month.
Not sure what fits?
Free statement review — we show you what you're paying and what each model would cost.
What We Handle
Built for how restaurants actually operate
Payment processing for restaurants isn't the same as payment processing for a retail store. We build setups around the operational realities of food and beverage service — speed, accuracy, splits, tips, and uptime when it matters most.
Dual pricing at the table and counter
Built into FigurePOS, Clover, or terminal checkout so every transaction shows both prices and customers choose. On $60K/month in card volume at 2.9%, dual pricing recovers roughly $1,740/month the restaurant was previously absorbing.
Tab management for bars
Open tabs, pre-authorizations, tab transfers between servers, and fast close-out at end of night. Built for the pace of bar service — not bolted on as an afterthought.
Tableside and handheld payment
Pay-at-table reduces turn time, improves tip rates, and eliminates the credit card walk-away. FigurePOS supports handheld devices that move with your servers on the floor.
Online ordering integration
Direct online ordering routed to your kitchen without third-party commission fees. Integrated with your POS — no double entry, kitchen sees everything in one place.
Kitchen display systems (KDS)
Replace printed tickets with digital displays that show order status in real time, fire courses at the right time, and help your kitchen run cleaner during peak service.
Gift cards and loyalty programs
Branded gift card programs and loyalty points that drive repeat visits and increase average ticket. Built into your POS — no separate platform or login required.
Client Spotlights
Tampa Bay restaurants we've built real setups for
These aren't testimonials we chased — they're businesses we've worked with hands-on. From full FigurePOS installs to dual pricing configuration to ongoing support.
⭐ Featured Client · Joto's Pizza
Joto's Pizza
Family-Owned Pizzeria · Seminole, FL · Since 1974
“Family-owned for 52 years. FigurePOS gave us caller ID integration, customizable menus, and a system our staff learns fast — without extensive training.”
— Jodi Whitcomb, Owner
What We Set Up
✓FigurePOS — full install and staff training
✓Caller ID integration for phone orders
✓Custom menu build and modifier setup
✓Dual pricing configured at checkout
✓Ongoing local support — Seminole, FL
Featured Client · Tuttorosso
Tuttorosso
Italian Restaurant · St. Petersburg, FL
“Tuttorosso needed a payment setup that matched the quality of the dining experience — clean checkout, dual pricing properly configured, and a team that understood hospitality.”
— Tampa Bay Pay team
What We Set Up
✓Payment processing for full-service Italian dining
✓Dual pricing — near-zero effective processing cost
✓In-person setup and front-of-house training
✓Local support — one call away in St. Pete
Client Spotlight
Wine at the Docks
Wine Bar · Tarpon Springs, FL
“Working with Zac and the Tampa Bay Pay team meant we weren't just getting a processor — we were getting someone local who actually showed up, explained everything, and made sure our team felt confident on opening day.”
— Patti Bryant, Owner
What We Delivered
A full payment & presence stack
✓Payment processing tailored to bar workflow
✓Branded website built on GoHighLevel
✓In-person install, training, and follow-up
✓Local Tampa Bay support — one call away
Visit them in Tarpon Springs: wineatthedocks.com →
More Tampa Bay Restaurants We're Proud to Serve
Local restaurants & hospitality businesses across Pinellas County and Tampa Bay
From Pinellas Park to Treasure Island to St. Pete — local spots we've worked with and proudly support.
A'Amore Pizzeria
A Pinellas Park pizzeria built around classic New York pizza, hand-tossed dough, and Italian comfort food for dine-in, pickup, and delivery.
aamorepizza.com →
AJ's Breakfast Club
A Seminole breakfast and lunch spot serving authentic Puerto Rican cuisine, takeout, delivery, and catering.
ajsbreakfastclub.com →
Birria Bros
A bold fusion concept built around birria with a Palestinian twist, bringing a different kind of taco energy to the Bay.
thebirriabros.com →
Bruno's Pizzeria
A St. Pete pizza spot serving hand-tossed pies and full-flavor Italian fare for dine-in, takeout, delivery, and catering.
eatbrunospizzeria.com →
El Maguey
A family-owned Kenneth City restaurant focused on authentic Mexican food made with fresh ingredients in a friendly environment.
elmagueyfl.com →
Joel's Kosher Deli
A St. Pete kosher deli, market, butcher shop, and café serving Jewish soul food, bagels, smoked fish, deli favorites, and catering.
stpetedeli.com →
Johnny Nevada's
A St. Pete tamales and tacos spot centered on fresh-made Mexican food, big flavors, and a strong catering and takeout presence.
johnnynevadas.com →
Joto's Pizza
A family-owned Pinellas County pizza staple since 1974, known for scratch-made dough and sauce, fresh ingredients, and catering.
jotospizza.com →
Murphy's Market Spring Hill
A neighborhood market with a loyal local following and a reputation for serving its community well.
murphys-market.com →
Original Pizza – Treasure Island
A family-owned Treasure Island pizza shop serving NY-style pies with in-house dough made fresh each morning, plus delivery and catering.
originalpizzati.com →
Preez Distillery
A Largo small-batch distillery producing handcrafted vodkas, gins, rums, and seasonal liqueurs with tours, tastings, and events.
preezdistillery.com →
Roe's Cafe & Catering
A St. Pete café serving breakfast, lunch, scratch-made soups, and a wide-ranging catering menu for office lunches and private events.
roescafe.com →
Why Tampa Bay Restaurants Choose Us
We know the restaurant business. We show up in person. We stay available.
We've set up restaurants, bars, and food service businesses across Tampa, St. Pete, Clearwater, Dunedin, Bradenton, and Sarasota. We understand the margins, the pace, and the operational pressure of running a food and beverage operation.
✓
Dual pricing — near-zero processing cost
Customers who pay by card cover the fee. Properly disclosed and configured. Available on FigurePOS, Clover, and terminals.
✓
No contracts
Month-to-month only. No early termination fees. If the service isn't earning it, you can leave.
✓
Free POS equipment
Hardware provided at no cost. No equipment lease. No upfront investment to get started.
✓
$500 rate match guarantee
Show us your current statement. If we can't beat your rate, we pay you $500.
✓
24/7 POS support
System support available around the clock — because restaurants don't have problems on a 9-to-5 schedule.
⭐⭐⭐⭐⭐
The highest-rated payment solutions team in Tampa Bay
157+ five-star Google reviews · 172 total across platforms
Brian Menoher — former restaurant owner
One of our account executives built and ran Bones Pizza Shack on St. Pete Beach. When he talks to restaurant owners about payments, he's speaking from the other side of the counter — not from a sales script.
Frequently Asked Questions
Restaurant payment processing — answered
Can restaurants use dual pricing in Florida?
Yes — dual pricing is fully legal in Florida and across the United States. You post two prices: a cash price and a card price (typically 4% higher). Customers who pay by card cover the processing fee. Tampa Bay Pay handles the entire compliant setup — correct signage, terminal configuration, and disclosure requirements — for every restaurant we onboard. On $60K/month in card volume, dual pricing recovers roughly $1,740/month the restaurant was previously absorbing.
What POS system do you recommend for a full-service restaurant in Tampa Bay?
FigurePOS is our preferred platform for full-service restaurants. It handles tableside ordering and payment, tab management, course firing, kitchen display systems, split checks, and detailed server and sales reporting. It's purpose-built for full-service dining in a way that general-purpose systems like Square or Clover are not. We evaluate every restaurant's specific operation before making a recommendation.
How does your pricing compare to Toast or Square for Restaurants?
For most restaurants processing more than $10,000–$15,000 per month, interchange-plus pricing through Tampa Bay Pay will be meaningfully less expensive than Toast or Square's flat-rate models. We show every prospective restaurant client a side-by-side comparison before they make any decision. If we can't beat what you're paying, we'll tell you directly — and if we can't beat your rate at all, we'll pay you $500.
Does FigurePOS integrate with online ordering and delivery platforms?
Yes — FigurePOS integrates with direct online ordering (commission-free, routing directly to your kitchen) as well as third-party platforms. We generally recommend building your own direct ordering channel first to avoid the commission structures of third-party platforms.
We're already using Toast. Is it worth switching?
It depends on your volume, your current rate structure, and whether you're under contract. Toast charges both a monthly software fee and a processing fee, and many restaurants don't realize how much the combination adds up to annually. We do a free statement and contract review — we'll show you the math on what switching would save versus what it would cost to exit your current agreement.
Do you work with food trucks and mobile food vendors?
Yes — food trucks, pop-up vendors, caterers, and mobile bar operations use SwipeSimple through Tampa Bay Pay. It's app-based, works on any smartphone with cell service, handles high transaction volume at festivals and events, and requires no fixed hardware investment. We've set up food trucks and vendors across the Tampa Bay market including the Saturday Morning Market, Dunedin events, and Clearwater Beach festivals.
What happens if our POS goes down during service?
POS and payment support is available 24/7, 365 days a year. If something goes wrong during dinner service on a Saturday night, you have a direct line to reach us — not a national call center. In most cases we can resolve issues remotely in minutes. If it requires an on-site visit, we're local enough to be there.
Do you serve restaurants across all of Tampa Bay or just one city?
We serve restaurants across the entire Tampa Bay area — Tampa, St. Petersburg, Clearwater, Dunedin, Bradenton, Sarasota, Largo, and everywhere in between. We're based in St. Petersburg and we come to your location for in-person setup and training regardless of where you are in the region.
Serving Restaurants Across Tampa Bay
We go where your restaurant is
In-person setup and support across the entire Tampa Bay region — from Tampa's Channelside restaurants to Dunedin's brewery corridor and Sarasota's fine dining scene.
Restaurants & Bars — Free, No Commitment
See exactly what your restaurant could save
Send us your current processing statement and we'll show you a clear comparison — what you're paying now, what dual pricing would save, and which pricing model fits your operation best.
No contracts · Free equipment · $500 rate match guarantee · 24/7 POS support · Local Tampa Bay team
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
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