Website terms, service terms, and promotion terms
These Terms & Conditions govern your use of Tampa Bay Pay’s website, forms, content, and promotions, including the $500 rate match / beat guarantee.
General terms for use of this website and our forms
1. Who we are
“Tampa Bay Pay,” “we,” “our,” and “us” refer to Tampa Bay Pay and/or its affiliated operating entities, including where applicable Exzact Payment Solutions LLC and its representatives, contractors, agents, partners, and service providers.
2. Acceptance of terms
By accessing this website, submitting information through any form, requesting a free review, or using any site feature, you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, do not use this website.
3. Business and commercial use only
This website is intended primarily for business owners and authorized representatives seeking information about payment processing, merchant services, POS systems, gateways, billing tools, hardware, and related business services. You represent that any information you submit is submitted on your own behalf or with authority to act for the business involved.
4. No legal, tax, accounting, or financial advice
Information on this website is provided for general informational and marketing purposes only. Nothing on this site constitutes legal, tax, accounting, compliance, financial, or investment advice. You are responsible for consulting your own attorney, accountant, tax advisor, and other professionals before acting on any information provided here.
5. Separate service agreements control
Any merchant account, payment gateway, POS system, hardware placement, software subscription, financing arrangement, or other service obtained through Tampa Bay Pay may be subject to separate agreements, including processor agreements, software agreements, equipment agreements, underwriting approvals, pricing schedules, and partner terms. Those separate agreements control if they conflict with these website Terms.
6. Accuracy of information submitted
You agree that all information, files, contact details, statements, and supporting documentation you submit are true, accurate, current, complete, and not misleading. You agree not to submit altered, incomplete, fraudulent, or unauthorized documents.
7. Communications consent
By submitting your contact information through this website, you consent to being contacted by Tampa Bay Pay by phone, call, text message, email, voicemail, or other reasonable means regarding your inquiry, requested review, proposal, services, support, or follow-up communications. Message and data rates may apply. Consent is not a condition of purchase.
8. Website use restrictions
You may not use this website to:
- violate any law, regulation, or third-party right;
- attempt unauthorized access to data, systems, networks, or accounts;
- upload malicious code or harmful content;
- scrape, copy, reproduce, mirror, or exploit site content without permission;
- submit false leads, spam, or fraudulent information;
- interfere with site functionality, security, or availability.
9. Third-party links and platforms
This website may contain links to third-party websites, booking tools, processors, software providers, maps, payment portals, and social platforms. We do not control and are not responsible for third-party content, privacy practices, uptime, performance, or separate terms.
10. Intellectual property
All content on this website, including text, branding, copy, layout, graphics, design elements, and logos, is owned by Tampa Bay Pay and/or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
11. Testimonials, reviews, and examples
Testimonials, proposals, case studies, illustrations, and savings examples shown on this website are for informational purposes only. Individual results vary. Prior results do not guarantee future results. Any savings illustration depends on assumptions, documents, card mix, processing volume, software selection, equipment needs, underwriting, and other variables.
12. No guarantee of approval, savings, or funding
Submission of information through this website does not guarantee approval, account setup, pricing eligibility, hardware placement, next-day funding, rate savings, or qualification for any program or promotion. All approvals remain subject to underwriting, partner requirements, documentation, and compliance review.
13. Disclaimer of warranties
This website and its content are provided “as is” and “as available” without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that the site will be uninterrupted, secure, error-free, or suitable for your particular needs.
14. Limitation of liability
To the fullest extent permitted by law, Tampa Bay Pay and its affiliates, owners, employees, contractors, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, goodwill, data, or business opportunity arising from or relating to your use of this website or reliance on its content.
15. Indemnification
You agree to defend, indemnify, and hold harmless Tampa Bay Pay and its affiliates, owners, employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, losses, damages, judgments, costs, and expenses, including reasonable attorneys’ fees, arising from your use of the website, your submissions, or your violation of these Terms.
16. Governing law and venue
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising from or relating to these Terms, this website, or any promotion shall be brought exclusively in the state or federal courts located in Pinellas County, Florida, unless applicable law requires otherwise.
17. Termination and restriction of access
We reserve the right, at our sole discretion and without notice, to suspend, restrict, or terminate access to this website, any form, any requested review, or any promotion if we believe you have violated these Terms, submitted inaccurate information, or created risk for Tampa Bay Pay or our partners.
$500 rate match / beat guarantee terms
1. Purpose of the promotion
The purpose of this promotion is to allow eligible businesses to submit a recent merchant processing statement and related cost information so Tampa Bay Pay can compare the business’s current effective rate and known processing-related monthly costs against one or more solutions available through Tampa Bay Pay and its partners.
2. Eligibility
- Available only to legal business entities or sole proprietors operating in the United States.
- Submission must be made by the business owner or an authorized representative.
- Business must submit a recent, complete, and accurate statement and supporting information.
- Void where prohibited by law.
3. Not a sweepstakes or game of chance
This promotion is a business comparison offer based on objective criteria. It is not random, not chance-based, and not intended to be a sweepstakes, contest, or game promotion.
4. Required submission materials
- Your most recent complete merchant processing statement from the last 60 days.
- All pages showing rates, fees, processing mix, effective rate, and totals.
- Disclosure of known related software, gateway, terminal, POS, lease, PCI, and recurring fees.
- Any additional information reasonably requested for verification.
5. Comparison standard
Tampa Bay Pay may compare effective processing rate, monthly processing-related costs, disclosed recurring software and gateway costs, equipment or hardware costs when relevant, and the merchant’s operational setup where reasonably necessary to complete a fair comparison.
6. Exclusions
- Incomplete, inaccurate, cropped, altered, stale, or misleading submissions.
- Failure to disclose related software, gateway, lease, or platform fees.
- Pricing that cannot be reasonably verified.
- Temporary, subsidized, or one-off pricing concessions that cannot be fairly compared.
- Unsupported, prohibited, sanctioned, or unusually high-risk use cases.
- Duplicate, internal, spam, test, competitor, or unauthorized submissions.
7. No automatic right to payment
Submission of a statement does not automatically entitle any person or business to receive $500. Any promotional payment remains subject to full verification, completion of our comparison, and Tampa Bay Pay’s determination that we cannot match or beat the current effective rate and total monthly cost using reasonably comparable solutions available through us.
8. Timing
Most reviews are targeted for completion within 24–72 business hours, but this is an estimate only, not a guarantee. Missing information, weekends, holidays, underwriting questions, or complex reviews may delay completion.
9. One promotion per business
Unless expressly stated otherwise in writing, the promotion is limited to one review and one potential promotional payment per business, per ownership group, and per 12-month period.
10. Promotional payment terms
- Any payment may be issued only to the legal business entity or verified owner/authorized representative.
- We may require identity verification, tax information, or proof of authority before issuing payment.
- Payment method, timing, and form are determined by Tampa Bay Pay in its discretion.
- Any tax reporting obligations are the recipient’s responsibility.
11. Reservation of rights
We reserve the right to verify all submitted information, request additional documentation, interpret and apply these promotional terms in good faith, deny eligibility for unverifiable or abusive submissions, and modify, suspend, or terminate the promotion at any time, subject to applicable law.
12. No waiver
Failure to enforce any part of these promotion terms in one instance does not waive our right to enforce them in any other instance.
How submissions are handled and how these terms may change
18. Privacy
Your submission and use of this website are also subject to our Privacy Policy. By submitting documents and business information, you consent to our collection, review, storage, and use of that information for purposes of responding to your request, conducting the review, providing a proposal, contacting you, verifying eligibility, and related internal business purposes.
19. Changes to these terms
We may revise these Terms & Conditions from time to time. Updated versions will be posted on this page with a new “Last Updated” date. Your continued use of the website after any update constitutes acceptance of the revised Terms.
20. Contact information
Tampa Bay Pay
136 4th St N, Suite 223
St. Petersburg, FL 33701
Phone: (727) 732-3292
Email: [email protected]