Trusted Payment Consultant · Tampa Bay Area, FL

Stop Overpaying for
Credit Card Processing

As your dedicated payment consultant, I review your current statement and show you exactly where your business is leaving money on the table — then we fix it.

Get My Free Statement Review See How It Works
Free Equipment (if you qualify)
No Contracts
3-Month Trial
Accepted Networks

Why CandidPay

We Work for Your Business, Not the Banks

Most merchants are quietly overpaying on processing. As an independent consultant, I have no incentive to keep your rates high — my goal is to make sure you're getting the best possible deal.

Transparent Analysis

I review your current merchant statement line by line, identify hidden fees, and show you a side-by-side comparison of what you pay now vs. what you'd pay with us.

No Contracts, No Risk

There are no long-term commitments. Our 3-month trial lets you experience the savings firsthand before making any long-term decision. Zero lock-in.

Free Equipment

Qualifying merchants receive free, EMV-ready, contactless payment terminals. No rental fees, no purchase costs. Just plug in and start accepting cards.

Dedicated Consultant

You get a real person — not a call center. I'm your direct point of contact for setup, questions, and ongoing support as your business grows.

Lower Rates, Period

Backed by our processing network, we deliver wholesale processing rates that independent merchants typically can't access on their own — passing the savings directly to you.

Cash Discount Program

Eliminate up to 100% of your processing fees using our cash discount program. Customers who pay with cash save 4%; card users pay a small service fee.

The Process

Simple, Fast, No Pressure

Getting started is completely free and takes less than 10 minutes of your time.

Send Your Statement

Share your most recent merchant processing statement — it takes about 60 seconds. Everything is kept strictly confidential.

Get a Free Analysis

I review every fee on your statement and create a clear, honest breakdown showing exactly where your money is going and where you can save.

Review Your Savings

We go over the analysis together. No sales pressure — just numbers. If we can save you money, I'll show you proof. If we can't, I'll tell you that too.

Start Saving

If you're happy with the numbers, we get you set up — often within 24–48 hours. Equipment is shipped, and you start keeping more of what you earn.

Our Offer

Everything a Small Business Needs to Thrive

We've removed every barrier that keeps small businesses stuck with overpriced processors.

  • Free Equipment — If You Qualify
    EMV-ready, contactless terminals provided at no cost for qualifying merchants. Accept chip, tap, and swipe with ease.
  • Zero Contracts
    No long-term agreements, no termination fees, no fine print traps. Stay because the service is excellent, not because you're locked in.
  • 3-Month Risk-Free Trial
    Try our service for three full months and see the savings firsthand. Not happy? Walk away with zero penalties — no questions asked.
  • Cash Discount & Dual Pricing
    Pass processing costs to card-paying customers while rewarding cash customers — legally and transparently. Many merchants eliminate fees entirely.
  • Fast Merchant Funding
    Get your money faster. Same-day and next-day funding options available, so your cash flow stays healthy.
CandidPay payment consultant holding a tablet with savings data
17K+
Businesses Served Nationwide

Free Statement Analysis

Your Statement Is Hiding Fees You Don't Know About

Most merchants have no idea they're being charged junk fees — monthly minimums, PCI non-compliance fees, batch fees, and inflated interchange markups. I'll find every one of them.

  • 100% free — no obligation to switch
  • Results delivered within 24 hours
  • Clear side-by-side savings comparison
  • Your statement stays private and confidential
Get My Free Analysis Now
Business consultant reviewing a merchant processing statement with a business owner

Real Results

Merchants Who Made the Switch

"I had no idea I was paying $480 a month in fees I didn't need to pay. CandidPay's analysis took one day and saved my restaurant nearly $5,000 this year. The free terminal was a bonus I wasn't expecting."
Marcus R.
Owner, family restaurant · Tampa, FL
"As a salon owner, I was skeptical. My old processor said my rates were 'competitive.' CandidPay showed me they were 1.2% higher than they needed to be. That adds up to a real amount of money every year."
Diana L.
Owner, hair salon · Lakeland, FL
"The 3-month trial gave me the confidence to try. Setup was done in 48 hours, and my new terminal was free. Three months in and I'm saving over $350 a month. I wish I'd switched sooner."
James T.
Owner, auto parts store · Riverview, FL

Get Started Today

Let's Find Out How Much You Can Save

Leave your details below and I'll reach out within 24 hours with a free, no-obligation analysis of your current processing costs.

Free statement review — no cost, no obligation
Free equipment if you qualify
3-month trial, zero contracts
Response within 24 hours
Call or text: (941) 258-7400

Request Your Free Analysis

We respect your privacy. Your information is never sold or shared.

Common Questions

Frequently Asked Questions

You send me your most recent merchant processing statement (usually a PDF). I analyze every fee and charge, compare your effective rate to what you'd pay with us, and send you a clear side-by-side breakdown within 24 hours. There's no cost and zero obligation to make any changes.
Most active merchants with a consistent processing volume qualify for free terminal equipment. During our consultation I'll confirm eligibility upfront — no hidden surprises. The terminal is yours to use while on our program at no charge.
Nothing automatically changes — you simply continue on the same terms month-to-month if you're happy. There are no contracts, so you can cancel at any time without fees or penalties. The trial is just a chance to see the savings yourself before making any commitment.
CandidPay is a merchant services consulting firm that connects small and medium businesses with the best payment processing rates available. We partner with leading processors including Visa, Mastercard, American Express, Discover, Global Payments, and Fiserv — giving you enterprise-level infrastructure with the personal service of a dedicated local consultant.
The cash discount program is fully compliant with card network rules. Rather than surcharging card customers (which has restrictions), the program displays a cash price and a standard card price. Customers who pay cash receive a discount — a common and legal retail practice. We handle all the compliance setup so you don't have to worry about it.
Same-day merchant account approval is available in most cases. Once approved, equipment is shipped and you're typically processing within 24–48 hours. The entire process from first contact to accepting payments can happen in under two business days.