Flat Rate Pricing
One rate. Every card. Every time.
Flat Rate pricing charges a single, consistent percentage (plus a small per-transaction fee) on every sale — regardless of the card brand, card type, or how the transaction is processed. No tiers, no categories, no surprises.
How It Works
You agree to one rate (e.g., 2.9% + $0.30) that applies to every transaction. Whether your customer uses a basic debit card, a premium rewards credit card, or an international card, the cost to you is always the same. Statements are minimal and easy to reconcile.
Advantages
- Ultimate simplicity — one rate for all transactions
- Extremely predictable monthly processing costs
- Minimal, easy-to-understand statements
- Perfect for small and micro businesses
- No qualification categories or tier downgrades
- Fast setup with no complex negotiations
Things to Consider
- May cost more than interchange plus for high-volume businesses
- The single rate subsidizes cheaper card types with more expensive ones
- Less room for optimization as your business scales
Best For
Small businesses & startups
Mobile vendors & pop-ups
Freelancers & consultants
Low-volume merchants
Frequently Asked Questions
Is flat rate pricing the cheapest option?
For very small or low-volume businesses, flat rate is often the most cost-effective because of its simplicity. For higher volumes, interchange plus typically delivers lower overall costs.
Are there any hidden fees?
No. Flat rate pricing with Xpress includes no monthly minimums, no PCI compliance fees, and no hidden charges. The rate you're quoted is the rate you pay.
Can I switch to interchange plus later?
Absolutely. As your business grows, we'll help you evaluate whether switching to interchange plus would save you money, and handle the transition seamlessly.
Ready to Get Started?
Contact our team to learn how Flat Rate Pricing can work for your business. We will tailor a solution that fits your needs.