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.

150+
Five-Star Reviews
30%
Average Savings
$0
Zero-Cost Option
24hr
Next-Day Funding
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
$0 fees
Cash Discounting
Card price listed, cash customers save 4%
$0 fees
Interchange Plus
Starting at interchange + 0.75% + $0.15/txn for qualified businesses. Customized by volume, ticket size, and risk profile.
Low cost
Not sure yet?
Free statement review — we show you all your options
Free review
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.

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.
⭐⭐⭐⭐⭐
157 Five-Star Google Reviews
172 five-star reviews across Google, Facebook & more
See our live review widget in the footer below ↓
Client Stories

Real Tampa Bay businesses. Real results.

See what local business owners across Tampa Bay, St. Pete, and Clearwater have to say about switching to Tampa Bay Pay.

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

What Our Clients Are Saying...

The Highest Google Rated Payment Solutions Team in Tampa Bay