Payments Made Personal.

We help merchants strengthen their financial infrastructure — and help partners build income by monetizing it. One platform, two paths, one team behind it all.

Flexible terms
Free hardware
Nationwide

Founded in Dallas, TX & Tampa, FL — serving businesses nationwide.

SCROLL

$2,000,000

In Merchant Fees Saved

200

Businesses Served Nationwide

Zero

Fees We Hide From You

Hands-On

Setup & Ongoing Support

Two Paths, One Infrastructure.

Whether you run a business that accepts payments or build a career connecting businesses to better solutions — we built this for you.

For Merchants

We audit your current setup, identify where money is leaving the table, and deploy the right technology for your operation. Modern infrastructure. Transparent pricing. A team that stays engaged long after the setup.

  • Reduce processing costs through rate optimization
  • Eliminate fees entirely with dual pricing
  • Free terminal or POS for qualifying merchants
  • Hands-on setup and ongoing support
Apply Now

For Partners

Monetize the payments infrastructure you bring merchants into. Whether you refer accounts or run a full book, we give you the tools, splits, and support to build real recurring income.

  • Earn residual income for the lifetime of each account
  • ISV and solo entrepreneur programs available
  • Full back-office and processing support included
  • Transparent portfolio reporting
Explore Partner Programs

Core Values

Three letters. Three people. The standard we hold ourselves to — every merchant, every partner, every day.

TTM

To the Moon

We set the bar high — for every merchant we serve, every partner we work with, and every standard we hold ourselves to. No ceiling on what we build.

Justin Sanchez

Chief Operating Officer

GSD

Get Sh*t Done

Results matter more than process. We move fast, stay accountable, and handle what needs handling — so our clients never wait for answers.

Travis Lynch

Co-Founder

PMP

Payments Made Personal

Every business is different. We show up with a plan built for yours — not a script. Real relationships, real solutions, real outcomes.

Reed Corless

Co-Founder

Built for Your Industry.

We understand the operational realities of your vertical — and configure payment infrastructure that fits the way you actually work.

TopTapPay

What Merchants Are Saying

5.0· All 5-star reviews on Google

Real merchants. Real results. See what businesses are saying about working with TopTapPay.

TZ

Tony Zori

1 month ago

TopTapPay — A Game Changer

As a small business owner, finding a reliable and efficient credit card processing solution is crucial. After trying several different providers, I recently switched to TopTapPay and the experience has been a game changer. From the initial setup to daily transactions, they have consistently exceeded my expectations. Their rates are straightforward and easy to understand — no hidden fees, no surprises. Whenever I've had a question or needed assistance, they've been prompt, knowledgeable, and incredibly helpful. Especially Mr. Reed, Mr. Justin, and Ms. Ginger. Best team! Highly recommend.

NS

Nic Sama

1 month ago

Outstanding Service — 10/10

I want to take a moment to recognize Reed for the outstanding service and support he has provided with our POS system. The system has been seamless, efficient, and has significantly reduced our processing costs — which makes a real difference in a restaurant operation. Beyond the technology itself, what truly sets Reed apart is his availability and commitment. Exceptional customer service is hard to find, and Reed delivers a 10/10 experience. Thank you for your professionalism, reliability, and for helping us successfully set up and streamline our restaurant operations.

SF

Snoopy's Fish & Chicken

1 month ago

Great Setup — Justin Was Excellent

Justin with TopTapPay has been great to work with. He helped us with our Clover system and made sure everything was set up properly so we could use it to its full potential. Very knowledgeable, responsive, and always willing to help. We definitely recommend TopTapPay.

SS

SS Smoke & Vape

2 months ago

No Surprises, Just Execution

Reed and the TopTapPay team have been outstanding to work with. I trust them across multiple businesses, and they've consistently delivered exactly what they promised. Not only did they significantly reduce our processing costs, but they also ensured everything was implemented smoothly from day one. The integrations were seamless, the terminals were set up efficiently, and the entire transition was handled professionally. What stands out most is their follow-through. No surprises, no overpromising — just execution. If you're looking for a payments partner who actually does what they say, I highly recommend TopTapPay.

JW

Jerry W

1 month ago

Can't Speak Highly Enough

Great company. Worked with the founder before — he genuinely cares about the people he works with and their success. Great solutions and great customer service. I would absolutely give them a shot if I were in the market for a POS system or wanted to switch processors. Can't speak highly enough.

SB

Sandy Brothwell

1 month ago

Clover Register — Couldn't Be Happier

Reed and his team have been great with our new register system. This Clover register can do so much more than our old system. Justin the tech guy answers our questions and makes suggestions on additional features we didn't know the system could do! Would highly recommend Reed and Justin with the Clover register system.

All reviews verified on Google Business Profile.

Get Your Free Quote

Tell us about your business and we'll review your current processing setup, identify your savings, and give you a straight answer — no pressure, no obligation.

Flexible terms — no long-term commitments required
Free hardware for merchants processing $10k+/month
Same-day or next-day funding available
Response within one business day
TopTapPay

Better Infrastructure. Real Results.

Improve your payment infrastructure as a merchant, or build income by improving it for others. Either way — we're the team behind it.

+1 (904) 901-7616· 24/7 TopTapPay Team Line

Founded in Dallas, TX & Tampa, FL — serving businesses nationwide.