Panhandle Merchant Services

Be Like Rickey…

A few years ago, Rickey was the Food Truck Owner.

The Cook.

The Cashier.

The Manager.

The Guy Doing EVERYTHING.

Today?

Rickey has built a restaurant that is now doing $15,000+ on a Sunday while empowering his GM’S and team with technology that gives him visibility into every part of his business.

Labor.
Food Costs.
Scheduling.
Payroll.
Online Ordering.
Reporting.
Tip Management.
Manager Controls.
QR Codes (Doing More With Less) $14.00 a hour is KILLER! Minimum Wage!

He can see it all from his phone.

That’s what happens when you stop working IN your business and start working ON your business.

Rickey chose SpotOn because he wanted a technology partner, not just another POS company.

And yes… according to Rickey, SpotOn has bells and whistles that Toast doesn’t have. 😂

Don’t take my word for it.

Call me like Rickey did. 850-565-4727

I’ll personally show you a live demo and answer every question you have.

No pressure.
No obligation.
Just a chance to see what modern restaurant technology can do for your business.

📍 Panhandle Merchant Services Downtown
📍 33 W Garden Street
📍 Pensacola, FL 32502

“Your Only Local SpotOn Franchise Owner”

23 Years In Merchant Services.

I’ve worked with thousands of business owners 3500+ Clients and counting. I partnered with SpotOn in 2013. In 2018, I knew this was the best POS platform for restaurants, bars, and hospitality businesses. Check it out on G2

AAA+ Customer Service. Just like my BBB Rating.
Local Support.
Real People.
Real Results.
We Grow With You At Your Pace.

☎️ 850-565-4727

Question:
Restaurant Owners…

What’s the biggest challenge you’re facing right now?

Labor?
Food Costs?
Staffing?
Online Ordering?

Drop it in the comments below. 👇

We came. We ate. We eavesdropped.



We are back in Pensacola. Chicago was fun we had a lot of laughs, amazing food and great demos. Now it’s back to our Local Gulf Family. We love where we live more than anywhere else.

Josh has lived here his entire life. 45 years! Tate Grad ans UWF Graduate.

33 W. Garden St
Pensacola, FL 32502
[email protected]
850-565-4727
“You’re Only Local Trusted SpotOn POS Company.”

Thank you to all of those who served, and were lost🇺🇸

U.S. Bank Closures Continue in 2026 — But We’re Still Right Here

After record-setting bank branch closures in 2021 with 2,928 locations shut down nationwide, the trend has continued year after year.

• 1,854 net branch closures in 2022
• 1,409 net branch closures in 2023
• Nearly 1,000 net branch closures in 2024
• 148 net branch closures in the first quarter of 2025 alone, according to S&P Global Market Intelligence
• Industry analysts expect branch closures to continue throughout 2026 as banks push customers toward digital-only banking

Large banks continue reducing their physical footprint, closing branches, consolidating locations, and moving more customer service online.

Meanwhile, local businesses still want real relationships, local support, and someone who actually answers the phone.

That is exactly why Panhandle Merchant Services continues to grow.

We are not a call center. We are not located across the country. We are local, and we are here for our merchants every single day.

You can find us right at the corner of Palafox and Garden Street in Downtown Pensacola.

Panhandle Merchant Services
33 W. Garden St
Pensacola, FL 32502

[email protected]
850-565-4727
Panhandle Merchant Services

Most restaurant owners don’t upgrade their POS because of one thing:

They think it will be a headache.

Downtime. Staff confusion. Lost orders. A messy transition during service.

So they delay it.

Even when they know their current system is holding them back.

But what we’re seeing more often now is this:

Owners upgrading in a structured way, without chaos.


850-565-4727
[email protected]