Tampa Bay & the Nature Coast

Better processing.
Better POS.
A local person you can actually call.

I help independent businesses across Tampa Bay and the Nature Coast cut unnecessary card-processing costs, fix clunky POS setups, and get a real person on the phone instead of an 800 number.

Get a free statement review → See what's included

Free

no-obligation statement review

In-person

setup for local merchants

11+

local communities served in person

Why merchants switch

Better rates, backed by a whole-operation review.

Because I work directly with the card networks, I can often beat what you're paying today. But rate alone won't fix a clunky POS or unclear reporting — so I look at the whole picture, not just the number on your statement.

A real review, not a pitch

I go through your actual processing statement line by line and show you exactly what you're paying and why.

Direct line to a real person

Text or call the person who set up your account — not a rotating queue at an 800 number.

Processing and POS, together

Rates, hardware, inventory, reporting, and migrations — handled as one setup instead of five separate headaches.

I'll show up in person

For local businesses, I meet you at your counter to review your setup and help install and train your team — not just ship a box.

What I set up

Everything from rates to receipts, handled once.

Pick what your business needs — from a simple terminal swap to a full POS build-out.

Credit & debit card processing

Processing built for retail stores, restaurants, service businesses, and professional offices.

Free processing analysis

A no-cost review of your current statement to show what you're really paying, and where.

Dual pricing & cash discount programs

Separate cash and card pricing that can significantly reduce, or potentially eliminate, your processing expense.

Shared-cost processing

Don't want to pass along the full cost? Split it, so your customer covers a smaller portion.

POS systems — Clover & more

Clover, Dejavoo, PAX, Valor, and more — see the full lineup below.

POS setup & implementation

Inventory, taxes, employees, receipts, tipping, and reporting — configured for how you actually run your business.

Switching from Square, Toast & others

Move to a better processing or POS setup while keeping disruption to your day close to zero.

Gift cards & loyalty

Tools to bring customers back, built right into your POS.

Shopify & e-commerce integration

Connect your online Shopify store directly to your in-store POS so inventory, sales, and reporting stay in sync instead of living in two separate systems.

Multi-location setups

Experience handling complex, multi-location rollouts — standardized and connected so reporting rolls up cleanly across every location.

POS systems we offer

Not locked into one brand.

Every business runs differently, so I work with a range of POS hardware — each available in multiple models built for retail, restaurants, or mobile/on-the-go service.

Clover POS

Dejavoo POS

PAX A920

Basil POS

Paradise POS

Union POS

Valor POS

Genius POS

OVVI POS

Hot Sauce POS

Ask about free POS placement

For qualifying businesses, POS hardware can come at $0 upfront — most commonly through Valor POS. Depending on your processing volume, other systems may qualify too. I'll let you know exactly where you stand during the statement review.

Not sure which fits your business? That's exactly what the free statement/setup review is for — I'll walk through your options based on how you actually operate, not just what's cheapest to sell.

Good fit if...

This is worth a conversation if any of this sounds familiar.

You're on Square, Clover, Toast, or another processor and aren't totally sure what you're actually paying.

You have a lot of smaller transactions, where flat-rate processing quietly adds up.

You want to reduce or eliminate your processing expense, not just shave a fraction off it.

You're frustrated with your current POS and need something that actually fits how you work.

You want a local rep you can actually reach, not an 800 number and a hold queue.

You're opening a new business and aren't sure what payment equipment you actually need.

You run multiple locations, or sell both online through Shopify and in-store, and need it all connected.

You want to save money on processing, but switching sounds like a headache — that's exactly what I handle, from setup to training.

Getting started

Four steps, no pressure.

Step 01

Quick call

Fifteen minutes about what you sell and how customers pay you now.

Step 02

Statement review

A free, no-obligation look at exactly what you're paying today, and where.

Step 03

Straight recommendation

Processing, POS, or both — matched to what your business actually needs.

Step 04

Setup & training

In-person for local merchants, hands-on remote support for everyone else.

One local contact for everything — backed by a full team, not a one-person operation.

Nature Coast Merchant Services is an independent partner with Wholesale Payments

How this works: I'm your direct point of contact — the one reviewing your statement, setting up your equipment, and answering when you call. Behind that, my partnership with the team at Wholesale Payments means real underwriting, processing infrastructure, and support standing behind every account, not just one person doing everything solo.

On rates: because that partnership works directly with the card networks, I can almost always beat what you're paying now. But the bigger win for most merchants isn't the rate alone — it's fixing the whole setup: processing, POS, and reporting, working together instead of against each other.

Get in touch

Let's look at your statement.

Reach out for a free processing review, or fill out the form and I'll get back to you within one business day.

Phone(813) 560-0243

Emailinfo@naturecoastmerchantservices.com

Based inLand O' Lakes, FL

Service area

Land O' Lakes · Lutz · Wesley Chapel · Tampa · Dade City · Zephyrhills · Spring Hill · Brooksville · Hudson · New Port Richey · Trinity · Port Richey & surrounding communities

For multi-location businesses, I'll travel wherever the job takes me.

Not nearby at all? I also work with businesses throughout Florida and across the country, remotely.

Better processing.Better POS.A local person you can actually call.