Tampa Bay Merchant Services

Tampa Bay Merchant Services Providing credit card processor services & Point of Sale Systems. My name is Ray Harrington and I provide merchant services for local and national businesses.

It's always a good idea to check in periodically to assess if your practices are working effectively and efficiently for...
09/01/2026

It's always a good idea to check in periodically to assess if your practices are working effectively and efficiently for your bottom line!

💸 Square has changed its pricing structure, including different processing rates based on the plan a business uses.When ...
08/21/2026

💸 Square has changed its pricing structure, including different processing rates based on the plan a business uses.

When was the last time you reviewed your processing costs?
The important thing isn't whether Square is a good or bad processor. It's whether the pricing still makes financial sense for your business.

For more than 20 years, I have helped businesses understand what they're actually paying for credit card processing and identify opportunities to reduce those costs.

✅If you currently use Square, send me a recent processing statement or monthly activity report. I'll provide a FREE, no-obligation cost analysis showing:
• Your actual overall effective rate
• What you're currently paying in processing costs
• How alternative pricing would compare
• Your potential monthly and annual savings

No pressure. No obligation. Just the numbers.
You may find that Square is still the right choice for you — or you may discover you're paying considerably more than necessary.

We're seeing an increase in fraud attempts targeting merchants, and many of these scams succeed simply because staff are...
08/12/2026

We're seeing an increase in fraud attempts targeting merchants, and many of these scams succeed simply because staff aren't aware.

Please review the following with everyone who accepts payments: Never share passwords or grant remote access to anyone who contacts you unexpectedly. If someone claims to be from support, ask for their number, then call Atlanta Payment Solutions or Electronic Payments directly to verify

Do not swipe or manually key in a card just because a customer claims the chip is failing. Ask for another form of payment. Be suspicious if someone tries multiple card numbers.

Whether in person, over the phone, or via email. Multiple declines followed by new card numbers is a common fraud pattern. Stop the transaction. Train your staff. Make sure everyone knows they should never bend normal procedures at a customer's request. If something doesn't feel right, pause and verify before proceeding.

A quick call can prevent chargebacks, losses, and headaches. Thank you for your business and for helping to keep your business secure.

Call, email, or text us.

⭐️⭐️⭐️⭐️⭐️ THIS is what we strive for! #
08/08/2026

⭐️⭐️⭐️⭐️⭐️ THIS is what we strive for!

#

When companies spend billions acquiring competitors, they naturally look for ways to recover that investment. While ever...
07/31/2026

When companies spend billions acquiring competitors, they naturally look for ways to recover that investment. While every situation is different, mergers are often followed by pricing changes, new fees, and operational restructuring. You statement gets bended and grows a few new line items with names nobody can explain.

If your merchant processing is through Global Payments, Heartland, TSYS, or Worldpay, now is a good time to review your statement.

Here's what I recommend:

✅ Calculate your effective processing rate (total fees ÷ total processing volume).
✅ Read the "Important Messages" on your monthly statement.
✅ Watch for changes in pricing or the addition of new fees.

The best time to review your processing costs is before they increase.
If you'd like a complimentary statement review, I'll let you know exactly what you're paying, explain every fee, and identify any opportunities to reduce your costs.

Knowledge is money when it comes to merchant processing.

TableTurn is our next-generation restaurant management system designed to modernize operations, streamline workflows, an...
07/24/2026

TableTurn is our next-generation restaurant management system designed to modernize operations, streamline workflows, and deliver a flexible, scalable platform for restaurant merchants. Built with performance, usability, and intuitiveness in mind.

❓Why Should You Freeze / Lock Your Credit❓Identity theft is no longer a question of whether your personal information ha...
07/14/2026

❓Why Should You Freeze / Lock Your Credit❓

Identity theft is no longer a question of whether your personal information has been exposed—it's a question of when. Data breaches have compromised billions of records, and much of that information is available on the dark web.

A credit freeze is one of the easiest and most effective ways to protect yourself. Think of it as locking your credit file. Even if a criminal has your Social Security number and other personal information, they generally cannot open new credit accounts in your name while your credit is frozen.

As Jim Droske, President of Illinois Credit Services, explains:
"A credit freeze is like putting your credit in a safe—and you have the only key."

The few minutes it takes to freeze your credit could save you months of frustration and thousands of dollars if your identity is ever stolen.
For more information and step-by-step instructions, visit:
USA.gov – Freeze Your Credit at https://www.usa.gov/credit-freeze?utm_source=chatgpt.com

We are committed to the highest level of service, always legally, of course!
07/08/2026

We are committed to the highest level of service, always legally, of course!

⭐️⭐️⭐️⭐️⭐️ My goal has always been to be available when my clients need me and to build long-term relationships based on...
07/05/2026

⭐️⭐️⭐️⭐️⭐️ My goal has always been to be available when my clients need me and to build long-term relationships based on trust, responsiveness, and helping businesses keep more of what they earn. Reviews like this mean everything!



⬆MERCHANTS!! We are seeing a continued increase in card-present chargebacks across a wide range of merchant categories. ...
06/25/2026

⬆MERCHANTS!! We are seeing a continued increase in card-present chargebacks across a wide range of merchant categories. While chargebacks are an expected part of card acceptance, the financial and operational impact on merchants are becoming increasingly significant, particularly when disputes are tied to avoidable processing errors or fraud-related issues.

In many of the cases observed, merchants were not consistently following established card acceptance procedures. As a result, they were exposed to liability for transactions that could have been better protected at the point of sale.

The best practices listed here are critical to reducing fraud exposure, minimizing disputes, and protecting merchants from unnecessary financial loss.

We encourage you to review the following guide: Chargeback Best Practices Guide Card Present 2026 at https://files.constantcontact.com/fb230fbb001/a610b308-239b-4fc0-ac03-106c14a708b8.pdf?rdr=true

Address

13830 58th Street North
Clearwater, FL
33760

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 12pm

Telephone

+17277484181

Website

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