We Fix What Your Current Processor Gets Wrong
Tampa Roots LLC partners with businesses across the country to cut through the noise of payment processing — transparent pricing, real human support, and technology that actually works for your operation.
Why Most Merchants Are Overpaying
The payment industry has a transparency problem. Here's what we see every day.
Most business owners sign up for a payment processor based on a teaser rate and then spend months decoding statements full of surcharges, interchange downgrades, and miscellaneous fees they never agreed to. By the time the true cost becomes clear, they're locked into a multi-year contract with steep cancellation penalties.
Support isn't much better. When something goes wrong — a declined batch, a chargeback, a terminal that stops working — merchants are routed to call centers that don't know their business, their industry, or the urgency of the problem. Meanwhile, sales keep getting declined and revenue walks out the door.
We started Tampa Roots because we believed there was a better way. Not a perfect industry — payments is complicated — but a more honest version of it. One where the rate you're quoted is the rate you pay, where someone who knows your account picks up the phone, and where the goal is your long-term success, not your next renewal.
How We're Different
Every claim below is something we're held accountable to — not marketing copy.
Transparent, Readable Pricing
We use interchange-plus pricing and plain-language statements so you can see exactly what the card networks charge and exactly what our markup is. No bundled rates, no surprise line items, no fees that appear three months in.
No Long-Term Contracts
We don't lock you in. Our agreements are month-to-month because we believe the only thing that should keep you here is the quality of our service. If we're not delivering, you shouldn't be trapped.
A Real Person on Your Account
When you call or text, you reach someone who knows your business — not a ticket queue. We keep client loads manageable so our team has the bandwidth to respond quickly and actually solve problems, not just log them.
Industry-Specific Expertise
Payment processing isn't one-size-fits-all. A restaurant has different needs than a medical practice or an e-commerce store. We've worked across enough verticals to understand the nuances — tip adjustments, healthcare compliance, card-not-present risk — and configure solutions accordingly.
Fast, Reliable Settlement
Cash flow matters. We offer same-day and next-business-day funding options so the money from your sales reaches your account quickly. We also maintain 99.9% uptime across our processing infrastructure — because downtime isn't a minor inconvenience, it's lost revenue.
Security Without the Complexity
We handle PCI compliance guidance, fraud screening, and chargeback management as part of the relationship — not as expensive add-ons. You get enterprise-grade protection without needing a dedicated IT team to manage it.
Industries We Serve
Every sector has unique payment challenges. We've worked across them all.
Retail
Retail merchants need fast checkout, accurate inventory integration, and rates that hold steady as volumes grow — not rates that quietly increase after month three.
Restaurants & Food Service
Table turns, tip adjustments, delivery integrations, and chargeback exposure make restaurant processing uniquely complex. We configure systems for quick-service, full-service, and everything in between.
E-Commerce
Card-not-present transactions carry higher fraud risk and higher interchange. We help online sellers implement the right fraud tools and optimise authorisation rates without blocking legitimate customers.
Healthcare & Medical
Healthcare billing involves insurance co-pays, patient financing, and a patient base that expects a professional, low-friction payment experience. We handle the setup so your staff doesn't have to.
Professional Services
Law firms, consultants, and agencies often deal with large invoices, ACH, and recurring billing. We set up the right mix of payment methods to reduce collection friction and improve cash flow.
Non-Profit
Non-profits need to minimise processing costs to protect their mission budget. We offer discounted programs and donor-friendly payment flows designed for giving pages and fundraising events.
What Working with Us Looks Like
No long sales cycles. No pressure. Just a straightforward path to better payment processing.
Free Statement Review
Send us your most recent processing statement — or just tell us what you're paying now. We'll break it down line by line, identify what you're actually being charged, and tell you honestly whether we can do better. No obligation, no pitch until you ask for one.
Custom Proposal
If we can improve your situation, we'll put together a clear proposal: your new effective rate, the equipment or software involved, what changes and what stays the same. Everything in writing before you sign anything.
Fast, Supported Onboarding
Most merchants are processing on their new account within 48 hours. We handle the setup, the equipment programming, and the first week of questions. You keep running your business while we handle the transition.
Ready to See What You're Actually Paying?
A free statement review takes 20 minutes and costs you nothing. We'll show you exactly where your money is going and whether there's a better option. No pressure — just honest information.