Payment Processing · Restaurants & Bars
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 free POS equipment, no contracts, and local support that actually picks up the phone.
Full-service restaurants
Bars & taprooms
QSR & fast casual
Cafés & coffee shops
Food trucks
Multi-location groups
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. But 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 — literally.
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 for 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 you from 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
Clover
Versatile — cafés, QSR, food trucks, bars
Flexible hardware lineup (Station, Mini, Flex)
Large app marketplace for custom workflows
Counter service and tableside options
Strong reporting and inventory
Employee management and scheduling apps
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. Depending on your volume, average ticket, and business model — dual pricing, cash discounting, or interchange-plus could save you significantly every month.
Dual Pricing
Cash $100 / Card $104 — both prices posted. Customers choose. You keep 100%.
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 with volume above $15K/month.
Not sure what fits?
Free statement review — we show you what you're paying and what each model would cost you.
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.
Tableside and handheld payment
Pay-at-table reduces turn time, improves tip rates, and eliminates the credit card walk-away. FigurePOS supports handheld ordering and payment devices that move with your servers on the floor.
Tab management for bars
Open tabs, pre-authorizations, tab transfers between servers, and fast close-out at end of night. Built for the pace and workflow of bar service — not bolted on as an afterthought.
Online ordering integration
Direct online ordering that routes to your kitchen without third-party commission fees. Integrated with your POS so there's no double entry and the kitchen sees everything in one place.
Kitchen display systems (KDS)
Replace printed tickets with digital kitchen displays that show order status in real time, fire courses at the right time, and help your kitchen run cleaner during peak service.
Sales reporting and labor tools
End-of-day reporting, server performance, item-level sales, shift comparisons, and labor cost tracking — all from the same system that processes your payments.
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.
Restaurant Types We Serve
Every food and beverage operation in Tampa Bay
From single-location independent restaurants to multi-unit groups, brewery taprooms to food trucks — we've built payment setups for every format and service style across the Tampa Bay market.
Full-Service Restaurants
Tableside payment, course management, split checks, server performance reporting, and KDS integration for sit-down dining operations of any size.
FigurePOS preferred
Bars & Taprooms
Tab management, pre-authorizations, fast close-out, pour tracking, and loyalty programs for bars, craft breweries, and taprooms across Tampa Bay.
FigurePOS + Clover
Cafés & Coffee Shops
Fast counter service, tip prompts, loyalty programs, and simple reporting. Clover or FigurePOS depending on volume and complexity.
Clover preferred
QSR & Fast Casual
High-volume, fast transaction flow, minimal table management, and dual pricing options that eliminate processing fees without slowing down service.
FigurePOS + Clover
Food Trucks & Pop-Ups
App-based mobile payment with SwipeSimple — no fixed hardware, works on cell data, handles festivals, markets, and event-day volume with ease.
SwipeSimple
Multi-Location Groups
Unified reporting across locations, consistent POS setup, and pricing models that scale with volume. We work with restaurant groups across Pinellas and Hillsborough counties.
FigurePOS preferred
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 — and we build payment setups that reduce friction instead of adding to it.
✓
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.
✓
In-person setup & staff training
We come to your restaurant, install the system, train your front and back of house, and follow up after service.
✓
24/7 POS support
System support is available around the clock — because restaurants don't have problems on a 9-to-5 schedule.
✓
Next-day funding
Friday night sales hit your account Monday. 11pm cutoff. Your cash flow moves with your business.
Frequently Asked Questions
Restaurant payment processing questions — answered
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. That said, we evaluate every restaurant's specific operation before making a recommendation — the right system depends on your service style, volume, staffing, and integration needs.
Can restaurants legally eliminate credit card processing fees in Florida?
Yes — dual pricing and cash discounting are both fully legal in Florida and across the United States. With dual pricing, you post two prices — a cash price and a card price — and customers choose how they pay. With cash discounting, the listed price includes the processing cost and cash customers receive a discount. Both models are compliant when implemented correctly with proper signage and disclosure. Tampa Bay Pay handles the entire compliant setup for every restaurant we onboard.
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. Flat-rate processors simplify the statement but charge a premium for that simplicity — that premium grows with your volume. 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.
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, and FigurePOS makes that straightforward to set up alongside whatever delivery integrations your operation requires.
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. No commitment required for the analysis.
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 you'd pay with us, and which pricing model fits your operation best. No pressure, no contract required to get the analysis.
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.
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
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