Flat rate: one number, no surprises
One rate for in-person, one for keyed and online. You can forecast it on a napkin, which for many businesses is worth more than the last 0.1%.
What you get
- Single published rate per transaction type
- No monthly minimum and no statement fee
- PCI compliance included at no cost
- Predictable enough to budget a year ahead
- Often the best fit at lower monthly volume
Simple by design
One number to remember and one number to forecast. Bookkeeping takes minutes.
Small-ticket friendly
On low average tickets, a flat rate with no per-item fee often beats interchange-plus.
No junk fees
No statement fee, no monthly minimum, no PCI fee, no annual fee. Our flat rate is actually flat.
Upgradeable
When your volume passes the crossover point, we move you to interchange-plus and show you the maths.
Quoted from your statement, not from a rate card
We do not publish a single rate for flat rate because a single rate would be a guess. Your cost depends on card mix, average ticket, monthly volume, how much of it is keyed or online, and your industry's risk profile.
Send one statement. Usually within 4 hours you get your real effective rate, every fee named, and a quote you can compare line by line against what you pay now.
- No long-term contract and no cancellation penalty
- No PCI fee and no non-compliance fee
- No statement fee, no monthly minimum
- A named expert, reachable by phone
Flat Rate, answered
When your volume grows or your average ticket is large, interchange-plus often costs less. We compare both from your actual statement before you switch. See our full flat rate vs interchange-plus comparison for a worked example.
Ours are. Many are not — check for statement fees, monthly minimums, PCI program fees and annual fees before comparing headline rates.
Yes, at any time, without a new application or new hardware. We review your effective rate quarterly and flag the crossover ourselves.
See how flat rate works in your industry
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Every fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.