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

Corepay logo
No reviews

A Florida-based high-risk merchant account provider that places specialty businesses with acquiring banks in the US, UK, EU, Canada and Australia.

Custom quote

online rate

None advertised

monthly fee

Next day

payout

High-risk ecommerce
CBD and supplements
Telehealth
+1
PaymentCloud logo
No reviews

US merchant services provider that specializes in placing high-risk and hard-to-approve businesses with acquiring banks and gateways.

Custom quote

online rate

$5 to $25 reported

monthly fee

2-day

payout

High-risk merchants
CBD and hemp
Firearms
+1
Dodo Payments logo
No reviews

Merchant of record for SaaS, AI and digital products. It becomes the legal seller on every order and handles the VAT, GST and sales tax that follow.

4% + $0.40 in the US

online rate

$0 per month

monthly fee

Varies

payout

SaaS and AI products
Indie developers
Global tax compliance
+1
Windcave logo
No reviews

New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.

Custom quote

online rate

Custom quote

monthly fee

Next day

payout

Omnichannel retail
Unattended payments
Enterprise
+1

Frequently 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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