Credit Card Processing Services

We seek the most cost effective and efficient way for your business to accept credit cards. Sometimes, its not only what you are being charged but also how you process credit and debit cards. Debit cards, also known as the check card, has replaced checks. If you have a retail storefront, it is also best to process debit cards where your customer has the option to enter a PIN. We call this PIN Debit. PIN transactions cost less to process. There is a lot of mis-information about this and many merchants believe or claim otherwise. If you’d like to learn more or have questions, feel free to reach out to us.

We have the ability to support several types of accounts including:

Retail / Storefront

If you are conducting business face to face, accepting credit cards is a necessity. Whether you have a store, restaurant or kiosk, Tampa Bay Merchant Services can help your business set up a merchant account so you can accept credit cards for less money than you ever thought possible.


If you have an Internet store or own a retail website, you need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with the click of the mouse, at any time, day or night.

Mail / Telephone Order

If you run a mail order business and / or take credit card payments over the phone, you are participating in what we call “MOTO Credit Card Processing” (MOTO = Mail Order Telephone Order). Essentially, this means that you collect payment in an environment where the customer and credit card are not physically present at the time of purchase. We have a great solution for a virtual terminal that helps to streamline processing paymentss in this environment.


For years the payment options for mobile merchants were limited to either cash or check. Today, wireless credit card machines have given mobile merchants access to the same credit card authorization networks as retail businesses. And with this solution one can accept PIN debit transactions which is less cost than running it as a signature based transaction.


Free mobile payment processing application that allows you to accept credit/debit payments on the go through virtually any smartphone or tablet. It’s easy to set up, offers numerous customization options and provides ultimate security for you and your customers.

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