Our Home Base · St. Petersburg, FL

Payment Processing · St. Pete, FL

St. Pete's Local
Payment Processing Team

Tampa Bay Pay is headquartered right here in St. Petersburg. We serve St. Pete businesses with no contracts, free equipment, and next-day funding — in person, from a team that's part of this community.

Get a Free Rate Analysis → Book a Free Consult

Zero-Cost Option

30%

Avg. Savings

24hr

Next-Day Funding

5.0★

Google Rating

🏠

This is where we live and work. Tampa Bay Pay is based at 136 4th St N, Suite 223, St. Petersburg, FL 33701. When you call us, a St. Pete person picks up. When you need a setup, a St. Pete person shows up. We're not a national processor with a local area code — we're actually here.

Merchant Services in St. Petersburg, FL

St. Pete's payment processor — not just another vendor

St. Petersburg has one of the most vibrant small business communities in Florida. From the Central Arts District to the Grand Central District, from Beach Drive boutiques to waterfront restaurants — the businesses that make St. Pete special deserve a payment partner that treats them like one.

Tampa Bay Pay was built in St. Pete, for St. Pete. We work with local restaurants, retailers, salons, medical offices, and service businesses to cut processing costs, simplify checkout, and improve the way they get paid — without contracts, hidden fees, or call center runaround.

See What You Could Save → About Tampa Bay Pay →

What We Offer St. Pete Businesses

The right technology. Set up the right way.

We're not tied to one product or one processor. We find the right fit for your business and handle everything from setup to support.

🖥️

Point of Sale Systems

FigurePOS for restaurants, OctoPOS for grocers and markets, Material Retail for boutiques, Clover for versatility. We match the system to the business — not the other way around.

Free equipment

⚡

Zero-Cost Processing

Dual pricing and cash discounting let St. Pete businesses legally pass processing fees to the card — so you keep 100% of every sale. Many of our clients pay $0 in processing costs.

$0 in fees

📱

Mobile Payments

SwipeSimple for food trucks, market vendors, contractors, and anyone who collects payment outside a fixed location. App-based, no bulky hardware required.

App-based

🔄

Recurring Billing

Automated subscription and membership billing through PayBright Gateway and BillerGenie. Set it up once and get paid on schedule without manual invoicing.

Automated

📊

QuickBooks Integration

BillerGenie syncs your payments directly with QuickBooks — eliminating manual data entry and keeping your books clean without extra work.

Automated AR

🎁

Gift Cards & Loyalty

Branded gift card programs and loyalty tools that bring St. Pete customers back. Built into your existing POS — no separate system needed.

Repeat business

St. Pete Industries We Serve

Built for St. Pete's business community

St. Petersburg has a unique mix of industries — artisan food and drink, independent retail, health and wellness, trades, and creative services. We know how each one works and build the right payment setup for it.

🍽️

Restaurants & Bars

From Beach Drive fine dining to Central Ave gastropubs and Gulfport waterfront spots — St. Pete's restaurant scene runs on speed and hospitality. We set up tableside payment, online ordering integration, split checks, and kitchen display systems with FigurePOS as our preferred platform.

🛍️

Retail & Boutiques

Central Arts District galleries, Grand Central boutiques, and specialty retailers across St. Pete use Material Retail and Clover to manage inventory, process payments, and run gift card programs that keep customers coming back.

💆

Salons & Spas

Simple checkout, built-in tipping, and appointment-connected payment options. We work with St. Pete salons and spas to reduce what they pay in processing and make the checkout experience seamless for their clients.

🔧

Trades & Home Services

Plumbers, electricians, roofers, and contractors across Pinellas County use SwipeSimple to collect payment on-site — no terminal, no hardware, just a phone and an app.

🏥

Medical & Healthcare

Patient payment workflows, recurring billing for ongoing care, and transparent pricing built around the needs of St. Pete medical practices — from independent offices to multi-provider clinics.

🎨

Arts, Events & Creative Services

St. Pete's creative economy is real and growing. We work with art galleries, event venues, studios, and creative service businesses to find the right payment setup for how they actually do business.

View All Industries →

St. Pete Neighborhoods We Serve

Every corner of the Sunshine City

We serve businesses across St. Petersburg — from downtown to the beaches, and everywhere the St. Pete business community calls home.

Downtown St. Pete

Central Arts District

Grand Central

Beach Drive

Central Ave

Historic Kenwood

Warehouse Arts

Gulfport

St. Pete Beach

Tierra Verde

Pinellas Park

Kenneth City

Community Roots

We're part of the St. Pete business community — not just serving it

Tampa Bay Pay is an active member of the organizations that support St. Pete's local business ecosystem. When you work with us, you're working with a company that's invested in this community.

🏛️

St. Pete Chamber of Commerce

🌐

EDGE District

⚖️

St. Pete Bar Association

🏖️

Pinellas Beaches Chamber

🌱

PCCS

🤝

Dunedin Chamber

Why St. Pete Businesses Choose Us

Home court advantage

Being based in St. Pete means we're close enough to be there when something goes wrong — and we know this market well enough that things rarely do. We understand the pace of St. Pete business and build payment setups that match it.

Meet the Team → Book a Consult →

✓

Headquartered in St. Pete

136 4th St N, Suite 223. When you need us, we're minutes away — not states away.

✓

No contracts, ever

Month-to-month only. No cancellation fees. You stay because the service earns it.

✓

$500 rate match guarantee

Show us your current statement. If we can't beat your rate, we pay you $500. No fine print.

✓

Free equipment

POS systems, terminals, and card readers — provided at no upfront cost when you process with us.

✓

Same-day approvals

Most St. Pete merchants are approved the day they apply. Next-day funding means money moves fast.

Our Guarantee

Commitments we make to every St. Pete business

These aren't taglines. They're the exact promises we make — and keep — with every merchant we work with in St. Petersburg.

Rate match or $500

Show us your current processing statement. If we can't beat your rate, we pay you $500. No fine print, no catch.

No rate increases — ever

The rate you start with is what you keep. We will never raise your processing fees after you're signed up.

In-person setup & training

We come to your St. Pete location, set everything up, train your team, and follow up to make sure it's working right.

Real local support

You get a direct line to a real St. Pete person — not a ticket system. When you call, we pick up.

Frequently Asked Questions

Questions from St. Pete business owners

Where is Tampa Bay Pay actually located in St. Pete?

We're at 136 4th St N, Suite 223, St. Petersburg, FL 33701. Our office hours are Monday–Friday, 10:00 a.m. to 7:00 p.m. On-site visits to your business location are by appointment. Call or text us at (727) 732-3292 to get something on the calendar.

What is dual pricing and is it legal in St. Pete?

Dual pricing is a fully legal pricing model where you post two prices — one for cash, one for card. Customers choose how to pay, and if they pay by card, the processing fee is built into their price rather than absorbed by your business. It's legal in Florida and across the US when set up correctly with proper signage. We handle the entire compliant implementation.

How quickly can you get a St. Pete business set up?

Most merchants are approved the same day they apply. Equipment is typically delivered and installed within a few business days. We do in-person setup and training at your location so everything is working and your team is ready from day one.

Do you work with food trucks and market vendors in St. Pete?

Absolutely. The Saturday Morning Market, Sundial events, and St. Pete's growing food truck scene are all part of our community. SwipeSimple is perfect for mobile vendors — app-based, no bulky hardware, works anywhere you have a cell signal.

Can you help a St. Pete business that's already under contract with another processor?

Yes. We'll review your current agreement and walk you through your options. In most cases, the savings from switching more than cover any early termination fees — and we'll show you the math before you decide anything.

Do you offer support on weekends for St. Pete businesses?

POS and processor support is available 24/7, 365 days a year (excluding most federal holidays) — because restaurants and retail don't take weekends off. For account questions and setup, we're available Monday–Friday during office hours.

Also Serving the Tampa Bay Area

We cover the entire region

St. Pete is home base, but Tampa Bay Pay serves businesses across Pinellas, Hillsborough, Pasco, and Manatee counties. We go where your business is.

Tampa Clearwater Bradenton Sarasota Dunedin Largo Wesley Chapel

St. Petersburg, FL — Free, No Commitment

Let's talk — your neighbor in payment processing

Send us your current processing statement and we'll show you exactly what you'd save. No pressure, no sales pitch — just a clear, honest comparison from a team that's rooted in St. Pete.