Solutions
5.0 · The highest-rated payments team in Tampa Bay
Payment solutions built
around your business
— not a one-size-fits-all pitch
Twelve core solutions covering POS, payments, invoicing, recurring billing, QuickBooks, gateways, gift cards, websites, funding, and specialty placement. We help merchants choose the right tools without getting boxed into the wrong solution.
$500 rate-beat guarantee · No contracts · Local Tampa Bay setup & training
12 core solutions
PayBright + BillerGenie
No long-term contracts
Next-day funding
250+
Tampa Bay Merchants
157+
Five-Star Reviews
$0
Cancellation Fees
5.0★
Google Rating
Our Approach
We help you choose the right stack, not just sell you a machine
The best setup depends on your business model, workflow, average ticket, sales volume, customer experience goals, and how you want to get paid. That's why Tampa Bay Pay works with multiple trusted platforms instead of trying to force every merchant into the same product.
Come to Tampa Bay Pay first.
Our job is to figure out what actually fits your business. Depending on what you need, that could include POS systems like Figure POS, Clover, Material POS, UnionPOS, or TableTurn — mobile tools like SwipeSimple or Dejavoo terminals — billing software like BillerGenie — and the PayBright + BillerGenie processing pairing underneath it all. You don't need to know the right platform before reaching out. That's what we're here for.
Which Solution Do You Need?
Tell us what's going on, and we'll route you to the right page.
Most businesses use 2-4 of our solutions together. The rows on the right link to the deep-dive page for each one. Not sure where to start? Scroll past — the carousel shows real merchant scenarios that might match yours.
Or just call. Most decisions on this page take longer than a 5-minute conversation with us.
I run a storefront, restaurant, or retail shop
POS + payments + maybe gift cards
I take payments on the go or in the field
Mobile · SwipeSimple · Tap-to-Pay · Virtual Terminal
I send invoices to my customers
Invoicing · ACH · Text-to-Pay · Auto-reminders
I bill customers automatically every month
Subscriptions · Memberships · Retainers · Service plans
My business is hard to underwrite
High-risk · Specialty placement · Tough approval paths
I need capital or business funding
Working capital · Equipment financing · Lines of credit
Not sure? Start with Tampa Bay Pay.
Call (727) 732-3292 · We'll match the right solution
All 12 Core Solutions
Each one is its own deep-dive page
Click through any of these to see specifics — features, comparisons, FAQs, and how we set them up. Or call us and we'll cover the relevant ones in a 5-minute conversation.
Merchant Services
Transparent payment processing built around your business. No hidden fees, no surprise increases, no lock-ins.
Learn More →POS (Point of Sale)
Full POS solutions for restaurants, retail, and service. Figure POS, Clover, Material POS, UnionPOS, TableTurn.
Explore POS →Mobile Payments
Take payments on the go with SwipeSimple, Clover Go, Tap-to-Pay, Dejavoo P1, Text-to-Pay, and Virtual Terminal.
See Options →Invoicing
Send branded invoices, accept card and ACH, set up Text-to-Pay, dual pricing, and automated reminders.
View Invoicing →Recurring Billing
Subscriptions, memberships, service plans, retainers. Set up once and get paid automatically every cycle.
Learn More →QuickBooks Integrations
Sync payments directly to QuickBooks Online or Desktop. Cleaner books, zero manual reconciliation.
See Integrations →Payment Gateways
Authorize.net, NMI, FluidPay, Hyfin, PayBright Gateway. The right gateway for your integration.
View Gateways →Gift & Loyalty Cards
Drive repeat business with branded gift cards and loyalty programs designed to grow lifetime value.
Explore Programs →High Risk Processing
Specialty placement for businesses that need stronger underwriting or face tougher approval paths.
Learn More →GoHighLevel
CRM, marketing automation, lead follow-up, and pipeline management paired with payment capabilities.
View GoHighLevel →Website & SEO Services
Custom-built websites with local SEO — $52/month flat rate exclusive to Tampa Bay Pay processing clients.
See Pricing →Business Funding & Lending
Working capital, equipment financing, and lines of credit for established merchants with consistent volume.
View Funding →Real Merchant Scenarios
Eight ways businesses
actually use Tampa Bay Pay
actually use Tampa Bay Pay
Composite scenarios based on common setups we build. Yours probably looks like one — or a mix.
1 / 8
Most merchants use 2-4 solutions together. Composite scenarios. Your stack depends on your business.
Match My Setup →
Common Use Cases
Where these solutions usually show up
A simpler view of how the categories combine in the real world — by business type.
Restaurants, Bars & Hospitality
Need POS, online ordering, kitchen workflows, terminals, reporting, and customer experience tools. Common stack: Figure POS or Clover + merchant services + gift cards + online ordering.
See Restaurant POS →Retail & Specialty Shops
Need inventory, multi-channel sales (in-store + online), and clean POS. Material POS is the standout — a real alternative to Lightspeed, Shopify POS, or Clover for retail.
See Retail POS →QuickBooks & B2B Workflows
Service businesses and B2B companies that invoice often need better collection and cleaner accounting. Invoicing + recurring billing + QuickBooks integrations + BillerGenie.
View QuickBooks →Field Service & Mobile Businesses
Contractors, trades, service techs need mobile payment tools, invoicing, card-on-file, and simple field acceptance. SwipeSimple + BillerGenie + service plan recurring billing.
Explore Trades →Memberships & Subscriptions
Gyms, studios, concierge practices, and subscription businesses thrive on recurring billing + customer portals + failed payment recovery. ACH cuts fee load on big memberships.
Recurring Billing →Specialty & Harder-to-Place
Some businesses need stronger underwriting or specialized approval paths. Specialty placement, direct relationship management, and ongoing support for tougher accounts.
See Specialty →Frequently Asked Questions
How Tampa Bay Pay works — answered
Which solution do I actually need?
Most businesses use a mix. A restaurant uses POS + merchant services + gift & loyalty. A contractor uses mobile payments + invoicing. A B2B service business uses invoicing + QuickBooks + recurring billing. A retail shop uses Material POS + merchant services. You don't have to figure out the right combination before reaching out — that's our job.
What does a typical Tampa Bay Pay engagement look like?
Usually starts with a free rate review or consult — send us your current statement or describe your setup, and we identify where you're overpaying and what we'd recommend. If it's a fit, we handle the application, hardware, software, training, and ongoing support. Month-to-month, no contracts.
Can I use multiple solutions together?
Yes — that's the norm. Most merchants use 2-4 of our solutions together. Common combos: POS + merchant services + gift & loyalty for retail and restaurants; invoicing + QuickBooks + ACH for B2B; recurring billing + customer portal for gyms. All solutions share the same merchant account and reporting.
Do you require long-term contracts?
No. Every Tampa Bay Pay agreement is month-to-month with no cancellation fees, no early termination fees, and no auto-renewal traps. You stay because the setup works for your business.
What's the $500 rate-beat guarantee?
Show us your current processing statement. If we can't meet or beat your effective rate, we'll pay you $500. No fine print. It's how we put our money where our mouth is on the rate review process.
How long does setup take?
Most merchant accounts are approved and live within 1-3 business days. Equipment ships next-day. POS setups (Clover, Figure POS, Material POS, UnionPOS) typically take 5-7 business days from approval to live system. We come on-site for install and training.
Do you handle businesses my size?
We serve 250+ active merchants across Tampa Bay ranging from single-operator service businesses to multi-location franchises. We placed a 100-location national franchise account. Whether you're doing $10K/month or $5M/month, we have the right setup.
How is Tampa Bay Pay different from a regular processor?
Most processors sell their one product. We work with multiple POS platforms (Clover, Figure POS, Material POS, UnionPOS, TableTurn, SwipeSimple), software tools (BillerGenie, Authorize.net, NMI), and the PayBright + BillerGenie processing pairing — and match the right combination to your business. Plus local setup and training.
Not sure which solution? Start here.
Tell us how your business operates — we'll match the right stack
Free rate review against your current statement. If we can't beat your rate, we'll pay you $500. No contracts, no fine print, just honest conversation.
$500 rate-beat guarantee · No contracts · 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.
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