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.
33 processors
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
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
Restaurant and food retail Android POS and payment facilitator running about 180,000 locations, with a $0 plan that costs 3.09% + $0.15 a card sale.
N/A
online rate
$0 Starter Kit, $69 Point of Sale
monthly fee
2-day
payout
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
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
Fiserv-owned POS sold direct and through banks and ISOs, at 2.6% + $0.10 in person on Starter and 2.3% + $0.10 on the Retail and Restaurant Growth plans.
3.5% + $0.10
online rate
$0 to $89.95 per software plan
monthly fee
Varies
payout
U.S. Bank's merchant acquirer, with more than 2 million customers in the US, Europe and Canada and merchant processing in over 30 countries, on quoted pricing.
From 2.90% + $0.30 per qualified transaction
online rate
$10 small business fee, per CardFellow
monthly fee
2-day
payout
Non-custodial crypto checkout that settles BTC, USDT and USDC straight to wallets you control, free to $1,000 then a flat 0.5%.
No card payments
online rate
$0, WooCommerce plugin is $99 a year
monthly fee
Instant
payout
Merchant of record for digital products at 5% + 50 cents a sale, owned by Stripe since 2024 and now steering sellers to Stripe Managed Payments.
5% + $0.50
online rate
None
monthly fee
Varies
payout
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