Tampa Bay's Highest-Rated Payment Solutions Team
5.0 · 157 Google Reviews
Stop Overpaying for
Every Card Swipe
No contracts. Free equipment. Next-day funding.
Tampa Bay businesses save an average of 30% on processing — and many pay $0 in fees entirely.
Free · No commitment · Takes under 2 minutes
No contracts
Free equipment
St. Pete based
$500 rate match guarantee
157
Five-Star Reviews
30%
Average Savings
$0
Zero-Cost Option
24hr
Next-Day Funding
Scroll
Who Are You Here For?
Two paths. One team behind it all.
Whether you run a business or refer businesses — Tampa Bay Pay has a path built for you.
For Business Owners
I want to reduce what I'm paying to accept cards
Get a free review of your current processing statement. We'll show you exactly what you're paying, where you're being overcharged, and what you could save — no pressure, no commitment.
- ✓Free rate analysis — upload your statement
- ✓No contracts, no cancellation fees
- ✓Free equipment for qualifying merchants
- ✓$500 guarantee if we can't beat your rate
- ✓Same-day approval, next-day funding
Free · No commitment · No obligation
For Referral Partners & Agents
I want to earn residual income by referring businesses
Build a recurring income stream by connecting local businesses to better payment solutions. Whether you're referring a few accounts or building a full book — we give you the tools, splits, and support.
- ✓Residual income for the lifetime of each account
- ✓Transparent portfolio reporting — always know your splits
- ✓Full back-office and deal support included
- ✓Works as a referral partner or full agent program
- ✓Join a team with 157 five-star Google reviews
Free to join · No cost · No obligation
Why Tampa Bay Pay
The way merchant services should work
We built Tampa Bay Pay around one idea — local businesses deserve better. Better technology, better pricing, better support, and a partner who actually picks up the phone. Transparency, accountability, and real local support — not a call center.
No Contracts
Month-to-month. No cancellation fees. No lock-ins. If your processor requires a contract, ask yourself why.
Month-to-month
Free Equipment
Stop paying for hardware. We provide free POS systems, terminals, and card readers when you process with us.
$0 upfront
Next-Day Funding
Sales from Monday hit your account Tuesday. 11pm cutoff. No waiting on your own money.
Same-day approvals
Transparent Pricing
No hidden junk fees. Interchange-plus options available. Pricing tailored to your business type, volume, and needs.
Custom pricing
Local & Hands-On
Based in St. Petersburg. In-person setup, training, and ongoing support — not an 800 number. We actually pick up.
St. Petersburg, FL
PCI Compliant & Secure
EMV chip card acceptance, data security, and full PCI compliance built into every setup we do.
Always compliant
Zero-Cost Processing
Want to eliminate processing fees entirely?
Thousands of Tampa Bay businesses have legally stopped paying credit card fees. Through dual pricing and cash discount programs, your customers choose how they pay — and card fees are no longer your problem.
Dual Pricing
Cash $100 / Card $104 — both posted upfront
Cash Discounting
Card price listed, cash customers save 4%
Interchange Plus
Competitive interchange-plus rates — customized by volume, ticket size, and business type
Not sure yet?
Free statement review — we show you all your options
Industries We Serve
Built for Tampa Bay businesses across every industry
From restaurants and retail to healthcare and high-risk — we match the right technology to how your business actually operates.
Solutions
Every payment solution your business needs
We are not tied to one processor or one product. We match the right technology to your business — and set it up ourselves.
Point of Sale
FigurePOS, Clover, OctoPOS, Material Retail, and more
Mobile Apps
SwipeSimple, Clover Go, iPosPay — accept payments from any device
Any device
Mobile Payments
SwipeSimple — app-based, works across industries and in the field
Payment Gateways
PayBright Gateway & FluidPay — recurring billing, ecommerce, virtual terminal
High volume
Recurring Billing
Automated subscription and invoice billing via PayBright and FluidPay
QuickBooks Integration
Direct QuickBooks sync, automated invoicing, and AR — zero manual entry
Popular
Virtual Terminal
Accept cards over the phone or online — no hardware required
Zero-Cost Processing
Dual pricing and cash discount — many merchants pay $0 in fees
Gift Cards & Loyalty
Branded programs to drive repeat business and customer retention
Hardware & Technology
The right system for
how you actually work
how you actually work
We carry every major POS, terminal, and gateway — and we set it all up ourselves.
1 / 8
RestaurantsBars
⭐ TBP Preferred
FigurePOS
FigurePOS — Full-Service Dining
FigurePOS
Built for high-volume restaurant operations
Our preferred restaurant POS — purpose-built for full-service dining, fast casual, and bars. PayBright is a majority stakeholder, meaning direct support and deep integration with our processing platform.
- Full table management with floor plan editor
- Kitchen display system (KDS) integration
- Tip management and auto-gratuity support
- Online ordering and delivery integrations
- Dual pricing compatible — eliminate card fees entirely
RetailBoutiques
Modern Retail POS
Inventory
eCommerce
Multi-location
Material Retail — Boutiques & Specialty
Material Retail
Modern retail POS for boutiques and specialty shops
Clean interface, strong inventory management, and a checkout experience that matches your brand. Great fit for boutiques, gift shops, and specialty retailers who need more than a basic terminal.
- Inventory management with variants (size, color, style)
- Purchase order and vendor management
- Customer profiles and purchase history
- Integrated ecommerce sync
- Multi-location support for growing retailers
MobileField Service
SwipeSimple · Clover Go · iPosPay
Mobile Payment Apps
SwipeSimple · Clover Go · iPosPay — any device, anywhere
For businesses that need to take payments on the go — contractors, field service, food trucks, pop-ups, and mobile vendors. Three mobile app options depending on your preferred ecosystem and volume needs.
- SwipeSimple — best standalone mobile app, works on any device
- Clover Go — ideal if you're already in the Clover ecosystem
- iPosPay — Dejavoo's mobile gateway app for in-field payments
- Tap-to-pay, chip, swipe, text-to-pay, and invoicing built in
- All options: dual pricing compatible, next-day funding
Free equipment for qualifying merchants. We handle full setup, training, and ongoing support — in person, at your location.
View All Systems →
Our Guarantee
We stand behind every promise
The highest Google-rated payment solutions team in Tampa Bay. Here is what that means in practice.
01
We match or beat any rate — guaranteed
Show us your current statement. If we can't beat your rate, we pay you $500. No fine print.
02
No rate increases — ever
We guarantee to never increase the fees we charge. What you start with is what you pay, forever.
03
In-person setup, training, and support
We come to your business, set everything up, train your team, and stay available. Not an 800 number.
04
Same-day approvals, next-day funding
Most merchants are approved the same day they apply. Sales from Monday hit your account Tuesday.
Free — No Commitment
See exactly what you could save
Upload your most recent processing statement for a free rate review, or book a free 30-minute consultation with a local payment solutions expert. Pricing is tailored to your business type, volume, average ticket, and software needs.
We match or beat any rate · $500 guarantee if we can't · Business done the right way
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