Payments that work while you’re off the clock.
Hi, we’re Brian and Kelly Moore. For over 12 years we’ve helped local business owners get paid more simply, with lower processing costs, no contracts and real people you can call on our own cellphones.
A brighter way to get paid
Reliable payment solutions for businesses across the U.S.
Running a business takes time, focus and energy. Your payment system should work quietly in the background, secure, reliable and always ready, so you can focus on growth instead of transactions. We help you accept payments smoothly in-store, online and in the field.
We’re based in Florida and serve small to mid-sized businesses throughout the continental U.S. Our goal is simple: make getting paid easier and more predictable, without contracts, hidden fees or complications. And we always take the time to learn how your business runs before we recommend anything.
Our mission
To serve with integrity, provide transparent payment solutions, and help local businesses grow with confidence.
Meet the owners
We’re Brian & Kelly. Relationships come before transactions.
Sunshine Payment Systems is owned and run by the two of us, and we’ve been serving Daytona Beach and the surrounding communities for more than 12 years. We help small and mid-sized businesses lower their card processing costs with payment systems built around how they actually operate, from countertop terminals and full POS systems to mobile options like Payanywhere.
Our approach is hands-on, honest and built on trust. There’s no one-size-fits-all pricing here. We build a solution for your type of business so you get clarity, compliance and room to grow. When you call, you get one of us.
Rooted in our business community
Many of our client relationships start with a handshake at a networking event and grow into long-term partnerships. We’re proud members and supporters of:
Beyond business
When we’re not helping businesses thrive, you’ll find us on the golf course, on a cruise, or out at local community events. We believe strong communities make strong businesses.
Local. Trusted. Relationship-driven.
What we do
Everything you need to get paid, in one place
Every business is different, so we don’t force one model on anyone. We tailor everything to your industry, your transaction volume and how your days actually run.
Payment processing & merchant services
Secure, flexible processing that works in-store, online and on the go, built around your real business needs instead of rigid pricing or restrictive contracts.
Ways your customers can pay
- Credit and debit cards
- Contactless: Apple Pay & Google Pay
- ACH and bank transfers
- Online and eCommerce
- Mobile and field payments
- Recurring billing and subscriptions
High-risk & non-traditional welcome
Many processors turn these businesses away. We guide you through underwriting, compliance and risk management.
- CBD and regulated products
- Medical and healthcare services
- Firearms and specialty retail
- International and travel services
Point of sale (POS) systems & hardware
A POS should do more than take payments. It should help you run your business, stay organized and grow. We look at your volume, staffing and customer flow, then recommend the system that fits, from countertop terminals to full POS and mobile solutions like Payanywhere.
No-cost equipment may be available depending on your setup and processing model, so you’re fully equipped without the upfront expense.
Built for your industry
- Retail with inventory tracking
- Service businesses and field crews
- Restaurants with tips and split checks
- Counter-service and appointments
- Multi-location and growing operations
- Employee scheduling and tracking
Included features
- Inventory management at no extra cost
- Tipping, split payments and refunds
- Transaction history and reporting
- Employee access controls
- Accounting and software integrations
Business management & payment technology
Payments don’t live in isolation. We connect transactions, reporting and your daily operations into one clear system, so you stop juggling disconnected tools and make decisions with confidence.
Your secure client portal gives you real-time reporting, virtual terminals, invoicing, chargeback management and inventory tracking from any device.
Reporting that makes sense
- Real-time sales and analytics
- Track trends over time
- Custom reports for the metrics you care about
- Compare daily, weekly or monthly performance
Integrations
- Open API with major platforms
- Shopify and WooCommerce
- Accounting and bookkeeping software
- Inventory and order management
- Medical and EMR systems where applicable
Support, security & compliance
Payment problems don’t keep business hours, so neither does our support. No endless ticket systems or phone trees. You talk to people who know your setup.
We serve businesses nationwide, but locally we’ll come to you for setup, configuration and training. That mix of national reach and in-person help is what sets us apart from processors that only work remotely.
Support
- 24/7 live technical support
- 24/7 account assistance
- Local contacts reachable by cell
- Local, in-person setup and training
Security
- PCI compliance included at no cost
- EMV chip, tokenization and encryption
- Fraud monitoring and risk management
- Ongoing system monitoring
- Help understanding compliance rules
Lower your processing costs
Flexible pricing, explained in plain English
We walk you through each option and help you choose the one that fits your goals, your customers and how you sell. No contracts and no cancellation fees, whichever you pick.
Traditional processing
Classic and flat-rate options, matched to your volume and transaction patterns.
Surcharging
We handle surcharge enrollment so card fees stop eating into your margins.
Cash discounting
Cash discount programs for low-to-no-cost processing.
Who we work with
Small and mid-sized businesses, coast to coast
Based in the Daytona Beach area, serving businesses throughout the continental U.S.
White-glove switching
Switching shouldn’t be stressful. We handle the details.
Most equipment is locked to a specific processor, so we provide no-cost equipment instead. Approvals are automated and typically take 3–5 minutes, most merchants are approved the same day and installed within days, and next-day or same-day funding is available.
- 1Free, no-obligation consultation
We learn how your business runs before recommending anything.
- 2We review your current agreement
And help you exit your old processor’s contract.
- 3We coordinate equipment returns
And clean up any past account issues.
- 4Setup, training and PCI surveys
Configured to your workflow, in person when it helps, with PCI surveys completed for you.
What local business owners say
Read all reviews on Google →[Google review quote #1]
[Google review quote #2]
[Google review quote #3]
Why choose Sunshine Payment Systems?
We’re a relationship-driven partner backed by trusted partners with over 30 years of industry experience serving hundreds of thousands of merchants, with local support from us.
How fast is approval and funding?
Automated approvals typically take 3–5 minutes, and next-day or same-day funding is available to make onboarding simple.
Is my business secure?
Yes. Our platform is fully PCI-compliant, with EMV chip technology, tokenization and encryption protecting every transaction.
What tools do you provide?
Your secure client portal includes real-time reporting, virtual terminals, invoicing, chargeback management and inventory tracking, all from any device.
Do you offer POS and mobile solutions?
Yes. Countertop terminals, full POS systems, mobile solutions like Payanywhere and eCommerce integrations, without locking you into restrictive contracts.
How can I reduce processing costs?
We offer flexible pricing including flat-rate options, cash discount programs and surcharge enrollment, all designed to protect your margins.
What kind of support is available?
24/7 live customer care, plus dedicated local points of contact you can reach by cell phone for in-person troubleshooting and ongoing account support.
What types of businesses do you work with?
Retail, restaurants, service-based businesses, professional offices, eCommerce and mobile businesses, including many high-risk industries.
Can I keep my current equipment?
Most equipment is locked to a specific processor, so we provide no-cost equipment with no loans, leases or upfront costs.
How quickly can I switch?
Most merchants are approved the same day and installed within days.
Will I have access to reports?
Yes. Real-time reporting and transaction history are available 24/7.
Are there long-term contracts?
No. We offer flexible program options based on your business needs, with no contracts and no cancellation fees.
Let’s talk. You’ll get one of us.
No forms, no call centers. Call or text Brian & Kelly directly, send us an email, or grab a time on our calendar for a free consultation.
