Developer-first payments infrastructure for internet businesses.
2.9% + $0.30
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
Marketplaces
Best flat-rate payment processors
Flat-rate pricing charges one predictable percentage (plus a fixed fee) on every sale, with no monthly minimums, which makes it the simplest model for new and low-volume businesses. These processors use flat-rate pricing.
28 processors
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Rated 4.5 out of 5 from 4 reviews.
India's developer-friendly payments and business banking suite.
2%
online rate
₹0
monthly fee
T+2
payout
India
Developers
UPI
All-in-one point of sale and payments for in-person businesses.
2.9% + $0.30
online rate
$0
monthly fee
Next day
payout
Retail
Restaurants
Small business
A PayPal company offering developer-friendly online payments.
2.89% + $0.29
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
PayPal users
The widely recognised wallet and checkout button merchants trust.
2.99% + $0.49
online rate
$0
monthly fee
Instant
payout
Small business
Cross-border
Quick setup
Emerging-market payments across more than 50 markets and local methods.
2% to 3% (by market)
online rate
Varies
monthly fee
Varies
payout
Emerging markets
Cross-border
High-risk
A long-established payment gateway for online and MOTO payments.
2.9% + $0.30
online rate
$25
monthly fee
Varies
payout
Traditional businesses
MOTO
Virtual terminal
Card readers and payments for over 4 million small businesses in 36 markets, with no monthly fees on the standard plan.
3.5% + $0.15 US, 2.5% UK
online rate
$0 standard
monthly fee
Next day
payout
Mobile and market sellers
Cafes and salons
Trades
+1
Stripe-owned African payment platform serving 200,000+ businesses in Nigeria, Ghana, Kenya, South Africa and Cote d'Ivoire.
1.5% + NGN 100, capped
online rate
None
monthly fee
Next day
payout
African ecommerce
Mobile money acceptance
Developer integrations
+1
Merchant of record for software companies: one 5% + $0.50 fee covers payments, global sales tax, billing, fraud and chargeback liability.
5% + $0.50
online rate
None
monthly fee
Varies
payout
SaaS
Consumer software
Game developers
+1
European payment service provider with published per-transaction pricing, deep local method coverage and no monthly fee for online payments.
1.8% + EUR 0.25
online rate
EUR 0 online
monthly fee
Varies
payout
European ecommerce
Small business
Marketplaces
+1
Bank payment specialist collecting Direct Debit and open banking payments in 30+ countries, with capped per-transaction fees and no monthly cost.
No card payments
online rate
None
monthly fee
Varies
payout
Recurring billing
Invoice collection
Memberships and clubs
+1Frequently asked questions
- Who should use flat-rate pricing?
- Flat-rate suits new stores, low or unpredictable volume, and anyone who values simple, predictable costs over squeezing out the lowest possible rate. As volume grows, interchange-plus often becomes cheaper.
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