5 Things to Look for in a Merchant Services Provider (And Why 813 is Tampa’s #1 Choice)

A person using a smartphone for contactless payment at a retail store counter.

Choosing a merchant services provider is one of the most important decisions a business owner can make. Whether you’re just starting out or looking to switch providers, you need more than just a company that can process payments—you need a partner who will help your business grow.

At 813 Merchant Services, we’ve helped countless Tampa businesses simplify their payment systems, reduce costs, and stay competitive in today’s market. Before you lock into any contract, here are five things to look for—and how we stack up.

✅ 1. Transparent Pricing

Watch out for:
❌ Hidden fees
❌ Tiered pricing
❌ Monthly minimums
❌ Non-cancelable terminal leases

What you need:
✔️ Simple, straightforward pricing with no surprises.

813 Delivers:
We offer flat-rate or dual pricing options, no hidden fees, and zero gotchas. We’ll even review your current statement for free so you can compare.

✅ 2. Local Support You Can Count On

Watch out for:
❌ Call centers overseas
❌ Unresponsive agents
❌ No one to help after setup

What you need:
✔️ A local team that actually picks up the phone and knows your business.

813 Delivers:
We’re based in Tampa, and we pride ourselves on fast, personal support. You can call, text, or even meet in person. You’re not just another number.

✅ 3. Advanced, Flexible Payment Solutions

Watch out for:
❌ Outdated terminals
❌ Systems that don’t support contactless or online payments
❌ Limited features

What you need:
✔️ Smart terminals, POS systems, mobile solutions, and eCommerce options.

813 Delivers:
From touchless smart terminals to full-featured POS systems and online invoicing, we tailor solutions to your business needs—no one-size-fits-all here.

✅ 4. Compliance and Legal Protection

Watch out for:
❌ Improperly set up surcharge or cash discount programs
❌ Violating Visa/MC rules
❌ Getting shut down for non-compliance

What you need:
✔️ A provider that understands the laws and keeps you compliant.

813 Delivers:
We ensure every cash discount or dual pricing program is fully legal and card brand compliant, with proper signage, equipment, and disclosures.

✅ 5. No Long-Term Contracts or Leasing Traps

Watch out for:
❌ 3-year contracts
❌ Early termination fees
❌ Equipment leases that cost more than buying

What you need:
✔️ Freedom and flexibility.

813 Delivers:
We offer month-to-month service with no long-term commitments and free terminal options—you stay because you want to, not because you’re locked in.

👇 Final Thoughts: Don’t Settle for Less

Most business owners don’t realize how much they’re overpaying—or how bad their current provider really is—until they switch. That’s why we offer:

✅ Free consultations
✅ Free statement reviews
✅ Risk-free setup
✅ No pushy sales tactics—just honest help

📞 Ready to Make the Switch?

If you’re tired of high fees, confusing statements, or poor support, it’s time to work with a company that puts Tampa business owners first.

📍 Proudly local. Serving Tampa, Brandon, Riverview, Clearwater, St Pete and beyond.

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