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
Global payments and business accounts with FX at 0.5 to 1 percent over interbank and free local payouts to 120+ countries.
2.80% + $0.30 US
online rate
$0 US Explore plan
monthly fee
Varies
payout
US merchant services provider offering paperless card and ACH processing on month-to-month terms with no cancellation fee.
From 1.49% + $0.15
online rate
None above $10k volume
monthly fee
2-day
payout
Enterprise acquirer with direct licenses across the UK, EEA, US, APAC and MENAP, custom Interchange++ pricing and same-day settlement.
Custom quote
online rate
None
monthly fee
Varies
payout
Indonesian payment gateway owned by GoTo Financial, with a published rate for every method: GoPay, QRIS, virtual accounts, cards and convenience stores.
2.9% + IDR 2,000
online rate
IDR 0 per month
monthly fee
T+3
payout
Usage-based billing infrastructure for AI and cloud companies, now owned by Stripe. It meters events and issues invoices through your own payment provider.
0.8% of billings
online rate
None on Starter
monthly fee
Varies
payout
NOWPayments is a non-custodial crypto payment gateway that settles 350-plus cryptocurrencies straight to your own wallet for a 0.5% service fee.
0.5% service fee
online rate
$0
monthly fee
Instant
payout
Austin merchant account provider that splits one merchant's volume across several MIDs, built for high-risk and direct-response sellers.
2.69% + $0.36
online rate
Typically $25
monthly fee
Varies
payout
ACH-first payment processor owned by CSG, built for utility, government, healthcare and property management billing rather than card-led retail.
Reported 2.9% + $0.31
online rate
Reported $2.50 gateway
monthly fee
Varies
payout
RBI-licensed Indian payment aggregator for online, offline and cross-border collections, with payouts and reconciliation on the same platform.
Around 1.5% average
online rate
INR 0 per month
monthly fee
Next day
payout
Merchant of record for developers that sells your product under its own name, handles sales tax and VAT liability, and pays you out through Stripe Connect.
5% + $0.50 on Starter
online rate
$0 to $400 by plan
monthly fee
Varies
payout
Longest-running major crypto payment processor: accept 100+ cryptocurrencies, settle in fiat daily, with no chargebacks.
No card payments
online rate
None
monthly fee
2-day
payout
Global payment orchestration with local acquiring in 50 countries, published regional fee schedules and intelligent routing with failover.
2.9% + $0.30
online rate
$0 above $5,000 sales
monthly fee
2-day
payout
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