FLAT RATE PROCESSING
Simple rates.
A clearer way to plan.
An agreed rate makes everyday processing easier to estimate. Get a custom, transparent quote built around how your business takes payments.
ONE CLEAR FORMULA
ILLUSTRATIVE FLAT RATE
Example sale
$100.00
$100 × 2.90% + $0.30
ILLUSTRATIVE FEE
$3.20
Example only. Your actual pricing is set in your written quote.
Familiar hardware. A pricing plan that fits.
DO THE MATH
See the fee, down to the cents.
The transaction charge stays simple. Your sale size changes the result. Choose an example to see how the same rate applies.
Example only: 2.90% + $0.30 per transaction. Your written quote sets your actual rates and any additional fees.
A REAL-WORLD CALCULATION
$100
Your sale amount
$100 × 2.90%
+ $0.30
Percentage of the sale + a fixed transaction charge
THE FEE BREAKDOWN
Percentage charge
$2.90
Transaction charge
$0.30
Total transaction fee
$3.20
Effective transaction rate
3.20%
Excludes any separate account charges. All figures use the same illustrative rate.
Why average sale size matters: a fixed transaction fee takes a larger share of a smaller purchase.
KEEP BUSINESS MOVING
Cut the complexity
Keep more of your revenue
Flat Rate can make everyday processing easier to follow. The right fit starts with the way you sell.
Easier day-to-day estimates
Use sales volume and transaction count to estimate transaction charges at your quoted rate.
Complete Channel Transparency
Know what applies at the counter, online or when card details are entered manually.
A decision based on your business
Compare the full cost using your average sale, monthly volume and payment mix.
THE COMPLETE PICTURE
A clear rate deserves a clear quote.
Simple transaction pricing is only part of the decision. Before you switch, these details should be easy to find.
Transaction pricing
The percentage and fixed charge for each payment category.
Account charges
Recurring fees, optional services and any separate transaction charges.
Equipment & terms
Terminal compatibility, rental or purchase costs, and the agreement terms.
Bring a recent statement. We’ll compare the full cost using your actual sales.
Get Free QuotesGOOD QUESTIONS
A few things worth knowing.
Understand the details before choosing your next processing plan.
Understand every part.
Percentage
The rate defined in your quote.
Transaction fee
The fixed charge on each sale.
Full account cost
Recurring fees and equipment included in your comparison.
Does flat rate mean one monthly fee?
Flat rate describes transaction pricing. Monthly account fees, equipment costs or optional services may still apply. Your quote should identify them.
Will every payment use the same rate?
Your agreement defines which transactions a rate covers. In-person, online and manually entered payments may have different pricing.
Is Flat Rate right for smaller purchases?
The fixed transaction charge matters more on smaller sales. We compare your average sale and transaction count to help you assess the full cost.
How does it compare with Interchange Plus?
Flat Rate bundles the underlying card costs into an agreed transaction price. Interchange Plus separates those costs from the processor markup. The better fit depends on your transactions and full account costs.
Can I keep my existing terminal?
We check your terminal model, software and processing connection before recommending new equipment.
YOUR NEXT STEP
Let’s price your actual business.
Send a recent statement. We’ll review your sales and payment setup, then prepare a written quote you can compare.