Beat your current processing rates by 25% — or we eliminate your fees entirely. Real local support, free equipment, and a certified expert who actually answers the phone.
Trusted by Florida Keys businesses since 1999 · Nonprofits, Medical, Retail & More
★★★★★
As a nonprofit organization in the Florida Keys, we've had an outstanding experience working with Sales Sense. Their team truly understands how to align our needs. Michael and his team is professional, insightful, and genuinely invested in the success of the community. Highly recommend to any organization looking for excellent credit card processing services.
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Nonprofit Organization · Key West, FL
★★★★★
Sales Sense is a pleasure to work with! Mike Krause has all of the bases covered from the installation, networking with the associated phone lines and computers, quick and responsive troubleshooting when needed and, on top of that, very competitive rates. He keeps up with the latest technologies. You can feel very secure about your receivables when using Sales Sense. We worked with Sales Sense for many years in my medical practice until I retired and I highly recommend them.
M
Medical Practice Owner · Key West, FL
★★★★★
We have been working with Sales Sense Payments for years and have been very pleased with their payment systems and their friendly local support. If you need credit card processing, they should be your first call!
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Long-Term Business Client · Key West, FL
★★★★★
Mike has been amazing to work with! I highly recommend him. You won't find better customer service. He answers concerns very quickly, checks in often, stays on top of current trends and technology, and is an overall personable & kind person. Totally different than your average credit card processor!
V
Veterinary Practice · Florida Keys
★★★★★
Our experience with Sales Sense and Mike was amazing. He helped us set it all up and still after a year checks in with us. Anytime we had a question Mike was always there to help. We have already recommended him and will continue to do so.
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Florida Keys Business · Florida Keys
Simple Process
Three steps to stopping overpaying
1
Request Free Analysis
Share your current processing statement (or just your monthly volume). Takes 2 minutes. No obligation, no pressure.
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2
Get Your Custom Quote
Mike personally reviews your statement and shows you exactly where you're overpaying — in plain English, no fine print.
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3
Start Saving Immediately
We handle everything — equipment, setup, training. Most merchants see savings in their first statement.
Full Suite of Solutions
Everything your Florida Keys business needs to accept payments with confidence
From the waterfront taco stand to the boutique resort — we have the right solution for every Monroe County business.
Korona is the POS built for businesses that other systems can't handle — high-volume souvenir shops, tourist attractions, ticketing operations, multi-location retail, convenience stores, and specialty verticals. It's cloud-based, subscription-priced with no long-term contracts, and keeps processing even when your internet goes down.
For the Florida Keys' tourism economy — where a Mallory Square shop can go from zero to 200 transactions an hour when a cruise ship docks — Korona's speed, reliability, and deep inventory tools are unmatched.
Offline mode — processes sales even without internet connectivity
Ticketing & attraction management built in — perfect for the Florida Keys tours & activities
Advanced inventory with stock history, purchase orders & multi-location sync
Age verification built in — ideal for liquor stores, tobacco & specialty retail
Subscription pricing — no large upfront hardware costs, no long-term contracts
Deep reporting & analytics — know exactly what's selling and when
Works offline when your Wi-Fi fails — critical for island businesses during storms or connectivity drops. Every sale still processes, syncs when you're back online.
Cloud POS for Retail & Full-Service Restaurants
Quantic POS
Quantic delivers two purpose-built POS platforms — one for retail stores, one for full-service restaurants — both running on iOS and Android with cloud-based management, integrated payments, and no compromise on features.
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Quantic Retail POS
Built to expand the potential of your retail business with tools that grow with you. From barcode scanning to multi-location sync — everything in one intuitive platform.
Inventory management with full stock history
Barcode scanning & label / barcode generation
Sell items by length, time & weight
Age verification & access permissions
Multi-location support & quantity restrictions
Loyalty program, gift cards & online catalog
Customer display system & accounting integration
Cloud-based — iOS & Android compatible
🍽️
Quantic Full-Service Restaurant POS
Seat, impress, and repeat — everything your restaurant needs is just a tap away. Online ordering, delivery integrations, and the kitchen display tools to keep service running smoothly.
Customizable floor plan & waitlist / reservations
Bar tab pre-authorization & easy check splitting
Kitchen display system & order ready notifications
Online ordering, pickup & 3rd party delivery
Pizza builder & feature-rich modifiers
Loyalty program, gift cards & customer database
Time clock management & multi-location management
Cloud-based — iOS & Android compatible
Why Quantic through Sales Sense Payments
Get Quantic's full-featured POS paired with our zero-fee processing programs. Keep more of every sale while running on a platform built for both retail and restaurant operations.
Beat your current rates by 25%. Or you pay zero in fees. Period.
We're so confident in our pricing that we back it with an audacious guarantee. Switch to Sales Sense Payments and we'll beat your existing processor's rates by 25% — or we'll set you up with a zero-fee program so your customers absorb the cost entirely.
Credit card fees are optional. Choose the program that fits your business and your customers — all three are legal in Florida and nationwide.
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Surcharge Program
A small fee (up to 3%) is automatically added when customers pay by credit card. Debit and cash customers pay nothing extra. Fully compliant with Visa, Mastercard, and Florida law.
Best for: B2B, professional services, high-ticket retail
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Cash Discount Program
Post a standard price that includes the fee, then offer a discount to customers who pay cash. Your pricing reflects the cost of doing business — transparently and legally.
Best for: Restaurants, retail, tourism, hospitality
⚖️
Dual Pricing
Display two prices at the point of sale — a cash price and a card price. Customers choose. Fully compliant and growing rapidly across Florida's Keys communities.
Best for: Fuel stations, quick-service, marinas
✓ Visa & Mastercard compliant
✓ Legal in all 50 states
✓ We handle all registration & signage
✓ 85% of customers pay without switching
✓ Works on any Clover or CardPointe terminal
Industry Solutions
Built for every Florida Keys business
We know the Keys. Every vertical has unique needs — and we've served them all for 25+ years.
Restaurants & Bars
the Florida Keys' restaurant scene runs on speed, reliability, and tips. Your POS needs to keep up during Duval Street dinner rush, handle outdoor bar tabs, and integrate seamlessly with your kitchen.
TouchBistro handles tableside ordering, kitchen display, and tip management
From the guesthouses of Old Town to beachfront resorts — hospitality businesses need flexible payment solutions that handle deposits, chargebacks, and multi-channel bookings.
Card-on-file for deposits and incidentals with full chargeback protection
Virtual terminal for phone and online reservations
Surcharge program works perfectly for resort fees
Gift card programs drive repeat bookings and referrals
Integration with major property management systems
the Florida Keys' retail businesses see extreme seasonality and high tourist traffic. You need a system that handles volume, inventory, and international cards without missing a beat.
Lightspeed Retail handles complex inventory with SKU-level tracking
Accepts all international cards — critical for tourist-heavy locations
Contactless and Apple/Google Pay ready
Gift card programs are proven tourist revenue drivers
Marine businesses operate in harsh environments with large transaction sizes and often unpredictable connectivity. Your payment system needs to be as rugged as your customers.
Offline mode — process cards even without internet connectivity
Large-ticket processing for charters, fuel, and slip fees
Dual pricing is standard and widely accepted in marine industry
By choosing Sales Sense Payments as your payment processor, you receive a Clover Flex at absolutely no cost. The Clover Flex is a powerful, handheld POS that accepts chip, swipe, contactless, and mobile payments — and it's yours free, just for making the switch.
I spent 25 years developing payment systems for Fortune 500 companies. I've been helping businesses stop overpaying ever since 1999.
Every client gets my personal attention. I answer my phone. I know your business. And your account will never be frozen without warning — something Square and Stripe can't promise.
🏆
ETA Certified Payments Professional™ (CPP)
The payments industry's highest credential — held by fewer than 1% of agents nationwide
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Published Author — McGraw-Hill
Author of multiple books on payment processing and sales strategy, including a McGraw-Hill title
🌴
Florida Keys Community Leader
Rotary Club, Key West Chamber, Business Guild, Conch Republic Marine Army, Key West Bocce Club
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CardConnect / Fiserv Registered Agent
Backed by one of the largest payment networks in North America — with local support you can count on
Since 1999, Sales Sense Payments has been woven into the fabric of the Florida Keys business community. When you work with us, you're supporting a local business that gives back — and getting a partner who actually cares whether your business succeeds.
Service Above Self isn't just a Rotary motto — it's how Mike Krause has built his career and his life in Key West. From the bocce court to the ballfield, from Casino Night to the Chamber boardroom, he shows up.
Rotary Club of Key West
Member Spotlight — Mike Krause
🔵 Rotary International Member · 3 Years
What brought you to Rotary?
I was already involved with the Key West Chamber, the Marathon Chamber, and the Business Guild — but Rotary was different. Those organizations are great for business, but Rotary is where I found people who wanted to roll up their sleeves and actually change lives. The scholarship mission hooked me immediately.
What does "Service Above Self" mean to you?
It means being all-in on your community, not just your business. I chair Casino Night, I'm an Ambassador with Keep Key West Beautiful, I'm active in two Chambers and the Business Guild, I sponsor the Conch 14U Baseball Team, and I captain the Sales Sense Bocce Team. "Service Above Self" is just a fancy way of saying: show up, give more than you take, and do it consistently.
Favorite Rotary project or event?
Casino Night — and not just because I'm chairing it this year. There's something irreplaceable about bringing the entire community together for a night of fun that directly funds scholarships for local students. When you see those kids' futures change because this town showed up, you know exactly why you put in the work.
What impact has Rotary had on your life or business?
I've spent my career in sales — I literally wrote the books on it — but Rotary taught me that the deepest professional relationships are built on giving, not getting. Between Rotary, two Chambers, the Business Guild, and all the teams and groups I'm part of, I've woven myself into the fabric of this island. Rotary is the thread that ties it all together.
Favorite thing about Key West?
The fact that you see the same faces at the ballfield cheering on the kids, at the bocce court, at Chamber events, at Rotary meetings, and at the grocery store. This isn't a place where you disappear into a crowd. People know if you're genuine, and when someone needs help, this town shows up — fast and without being asked.
Fun fact?
I'm a USCG Licensed Captain — I earned my license in sailboat racing on the Great Lakes before trading snow for sunshine. I own a 1958 Nash Metropolitan convertible that's become a bit of a Key West icon — you might have seen it at a wedding around the island. And if you ever need a bocce partner or a sponsor for your kid's team, I'm your guy.
"
Because this island runs on relationships. Rotary takes that to another level — it's where the people who care most about Key West's future come together to actually do something about it. You'll build friendships and professional connections that go deeper than any networking event because the foundation is service, not self-promotion.
At Sales Sense Payments we have successfully partnered with Banks, CPAs, and Marketing Agencies throughout the country. We handle your referrals with the utmost care and share revenue to help your clients save money and grow.
Your clients trust you. When they need payment processing, you deserve a partner who protects that relationship — and rewards you for it. We do the work. You share in the revenue. Every time.
Offer your business clients best-in-class payment processing — and earn recurring revenue on every account you refer.
📊
CPAs & Accountants
Your clients are already asking about processing fees. Refer them with confidence — we lower their costs and share the savings with you.
📣
Marketing Agencies
Add a revenue stream to every client relationship. We handle onboarding, support, and compliance — you earn residuals month after month.
Zero Obligation
Get Your Free Rate Analysis
Tell us a little about your business and Mike will personally review your current processing costs — and show you exactly what you'd save.
Let's start with the basics 👋
How can Mike reach you? 📞
Almost done! 🎉
🎉
You're all set!
Mike will personally reach out within a few hours — usually much sooner. Check your phone for a call or text from 305.723.1234.
Your information is private and will never be shared. No spam — just Mike, personally, helping you save money.
🍕 Restaurants & Retail POS
Figure POS
A PayBright exclusive — cloud-based POS for restaurants and retail that makes management fast, simple, and profitable.
Figure's cloud ordering system includes simple tools, smooth integrations, detailed analytics, and clear reports — everything you need to make smart decisions and boost profits. Works online or offline, from countertop to kiosk to kitchen.
🖥️
Figure POS
Cloud ordering system with seamless integrations, detailed analytics, and comprehensive reporting.
📺
Figure KDS — Kitchen Display System
Live order details, timing, special requests, and kitchen workflow — all on one screen.
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Figure Kiosk — Self-Order
Let customers order themselves — speeds up service, cuts wait times, handles payment and order printing automatically.
📱
Figure Mobile & Figure Manage
Run your entire business from your phone. View reports, manage staff, and control all Figure apps from one place.
Integrated online ordering with DoorDash Drive, Uber Direct, and more — all in one screen. No extra tablets, no juggling platforms.
DoorDash DriveUber DirectLoyalty & Gift CardsCaller ID Integration
"Its so logical. Even if our staff haven't been trained, they can figure it out themselves."
— Jodi Whitcomb, Joto's Pizza · Tampa, FL
⚡ Invoice & Payment Platform
PayLync
The ultimate invoice maker for service pros & small businesses.
Create professional invoices on-site, send them instantly, and get paid faster — all from your phone. Whether you're a plumber finishing a job, a contractor wrapping up a project, or a freelancer billing a client, PayLync makes the money part effortless.
Works with QuickBooks Online, accepts all major payment methods including Apple Pay and Google Pay, and integrates with your existing workflow in minutes.
Create & send professional invoices from your phone in under a minute
Accept credit cards, Apple Pay, Google Pay, PayPal & more
QuickBooks Online extension — enhance your existing workflow
Recurring invoices, estimates, and automatic payment reminders
All plans billed annually. Start free — no credit card required.
🤲 A Brand of Sales Sense Payments
Give 2 Nickels
Contactless Giving for Churches, Nonprofits & Political Organizations
Cash is disappearing — only 14% of U.S. payments are now made in cash, yet most churches and nonprofits still depend on it. Give 2 Nickels is a contactless tap-to-give device that captures donations 24/7 in lobbies, vestibules, and event spaces. Two seconds. No app needed. Every dollar tracked.
No hidden tips extracted from your donors. No venture-funded startup. Just 25+ years of payment expertise — and a real human who picks up the phone.
Everything Florida Keys business owners ask us most. Don't see your question? Just text Mike at 305.723.1234 — he picks up.
Yes. While Florida Statute 501.0117 technically restricts surcharging, the Eleventh Circuit Federal Court ruled it unconstitutional in 2015 on First Amendment grounds. Surcharging is fully legal and widely practiced across Florida — including throughout the Keys. We handle all card-brand registration and compliance so you're protected from day one.
Surcharge: A fee (up to 3%) is added when a customer pays by credit card. Cash and debit customers pay nothing extra.
Cash Discount: You post a price that includes the card fee, then discount it for cash customers. No card-brand registration required — legal in all 50 states.
Dual Pricing: Two prices are displayed at the point of sale — a cash price and a card price. All three result in $0 net processing cost for you.
Much less than you'd expect. A study of 2,500+ consumers found 85% of people who said they wouldn't pay a surcharge actually paid it when presented with one at the register. Florida Keys visitors are especially accepting — they're already paying island pricing, resort fees, and 12.5% room tax. A 3% card fee is barely noticeable.
No — Visa and Mastercard rules strictly prohibit surcharging on debit or prepaid cards. Your terminal must automatically detect card type and apply the surcharge only to credit transactions. We program your Clover or CardPointe terminal to handle this automatically and correctly.
Sign up for merchant processing with Sales Sense Payments and the Clover Flex is yours at no charge. No catch, no hidden fee, no equipment lease. The Clover Flex (up to $695 value) is provided free as part of your processing agreement. Fill out the rate analysis form or call/text Mike at 305.723.1234 to get started.
The Clover Flex is a powerful handheld POS that accepts chip, swipe, contactless, Apple Pay, and Google Pay. It runs on Wi-Fi or cellular, prints receipts wirelessly, manages inventory, tracks employees, runs reports, and handles tips. Perfect for tableside ordering, line-busting, or as a standalone terminal.
We review your current processing statement and show you — in writing — how our rates compare. If we can't beat your current effective rate by at least 25%, we'll tell you honestly and there's no obligation to switch. If we can (and we almost always can), we put it in writing before you make any changes. Zero risk.
No long-term contracts and no cancellation fees. We earn your business every month. If you ever want to leave, you can — no penalties, no hassle. We've operated this way since 1999 because we believe the service should speak for itself, not the contract.
Square charges a flat 2.6% + 10¢ per swipe — no negotiation, no personal support, and a history of freezing accounts without warning. Toast charges 2.49%+ plus monthly software fees. Our interchange-plus pricing is typically significantly lower for businesses processing over $5,000/month — and you get a local expert who answers the phone.
Most businesses are fully switched within 3–5 business days: (1) Free rate analysis & quote — 24 hours. (2) Application & approval — 1–2 days. (3) Equipment setup — 1 day. (4) Training & go-live — same day. We handle all paperwork and coordination with your previous processor.
No. We schedule the cutover during your slowest period — typically overnight. Your new equipment is fully programmed and tested before the old system is disconnected. Most businesses experience zero downtime during the switch.
Yes — Mike personally trains you and your staff on all equipment and software. For ongoing support, call or text 305.723.1234 anytime and reach Mike directly — not a call center. Clients who've been with us for years cite responsive, personal troubleshooting as the #1 reason they stayed.
Help Your Fellow Business Owners
Know someone paying too much?
Share Sales Sense Payments with a friend or fellow Florida Keys business owner. Help your community save money and get real local support.
