Flat Rate Interchange Plus Dual Pricing
Pricing Model 1 of 3

Flat Rate Pricing.
Simple. Predictable. Easy.

One rate. Every card. Every transaction. You always know exactly what you're going to pay, no surprises, no guessing.

Talk to us about Flat Rate →
How it works

Every swipe, tap, or dip
costs the same flat rate

It doesn't matter if your customer pays with a basic debit card or a premium rewards card, you pay the same percentage. Simple math, every time.

1

Customer pays

They tap, swipe, or insert their card at your terminal

2

Flat % is taken

2.6% of the sale amount is deducted automatically

3

Plus a small fee

$0.10 per transaction covers network costs

4

You get the rest

The remaining amount hits your bank account next day

Live example, $100 sale

Watch where the money goes

Real dollar breakdown for a $100 sale
Customer pays $100.00
Processing fee (2.6%) −$2.60
Per-transaction fee −$0.10
You receive $97.30
$97.30
per $100 sale
Honest breakdown

The good and the not so good

✅ Where flat rate works for you

  • 👍Dead simple, one number, always. No surprises on your statement
  • 👍Easy to budget, you know your cost before the month even starts
  • 👍No need to understand interchange categories or card types
  • 👍Great for low volume businesses just starting out
  • 👍Works well if your average ticket is low (under $20)

⚠️ Where flat rate costs you

  • 👎You pay the same on a cheap debit card as an expensive rewards card, even though they shouldn't cost the same
  • 👎At higher volumes, you leave real money on the table vs interchange plus
  • 👎On $100K/month you could be overpaying $800–$1,200/month vs the right model
  • 👎Not ideal once your volume grows past ~$15K/month
Best fit

Flat rate is a great fit
if you are...

🛍️

Just starting out

☕

Coffee shop or café

💇

Salon or barbershop

📦

Low volume retail

🎪

Pop-up or market vendor

💆

Spa or massage

🍦

Small food vendor

🔧

Solo service pro

Want to know if flat rate is right for you?

Send us your last statement. We'll tell you exactly what you're paying now and whether flat rate, or something better, makes sense for your business.

Get a free rate review →
Ready when you are

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