You Were Quoted ~2%.
So Why Are You Paying Over 3%?
Most businesses never calculate their real effective rate — and processors count on that. Flat Rate Processing analyzes your statement for free, shows you exactly where the money goes, and gives you a transparent alternative. No mystery fees, since 2004.
Get a Free Statement Analysis Explore SolutionsFind Out What You're Actually Paying
Your effective rate is your total monthly processing cost divided by your card volume. It's the only number that matters — and it's never printed on your statement. Enter two numbers from your last statement, or read the full step-by-step guide:
- Total fees — every processing charge on the statement (rates, monthly fees, PCI, statement fees, all of it)
- Card volume — total Visa/Mastercard/Discover/Amex dollars processed
A healthy card-present business typically lands between 2.2% and 2.7% all-in. If your number starts with a 3, you're funding someone's margin — and we'll show you where.
Effective Rate Calculator
2.5%. No per-transaction fee, no monthly fee, no PCI fee.
That is the entire processing bill — one rate on every transaction, with nothing added on top. No cents per swipe, no monthly service fee, no annual PCI compliance fee. Most flat-rate processors charge a per-transaction fee on top of the percentage, and tiered pricing quietly reclassifies transactions into more expensive buckets. Run the calculator to see what you’re paying today.
Your Statement Is Designed to Hide Your Real Rate
Divide your total monthly processing cost by your card volume. If that number is higher than the rate you were quoted, you've found the gap — and it usually comes from one of these four traps.
Find My Real Rate →Payments Custom-Fit to Your Business
From retail counters to fully software-integrated workflows, FRP fits payments to how you work — not the other way around.
Merchant Processing
Transparent flat-rate or interchange-plus pricing with a clear breakdown of every fee. Month-to-month terms available.
Learn more →Software Integrations
Works with MX Merchant, USAePay, Authorize.Net, Dejavoo, Valor, Square, WordPress — and hundreds more platforms.
See integrations →Government Payments
Through sister company Government Portal, we serve hundreds of municipalities with resident payment solutions.
Government Portal ↗POS & Mobile
Counter terminals, tablet POS, and mobile readers that work together out of the box — no lease traps.
Learn more →Online & eCommerce
Gateways, hosted checkout, recurring billing, ACH — connected to your existing website or platform.
Learn more →Agent / ISO Program
Our partner program lives at FlatRate ISO — industry-high splits, lifetime residuals, real training and leads.
Become a partner ↗Consultative, Not Transactional
We don't drop a terminal and disappear. We analyze your current processing first, recommend what actually fits, then stay engaged — monitoring your account and flagging issues before they cost you money.
- Free statement analysis — see your real effective rate before committing to anything
- No predatory contracts — no long-term lock-in, no equipment lease traps
- Local, dedicated support — real people in Atlanta, not a call-center queue
- Software-first — payments live inside the tools you already run
Do the 60-second math
Total monthly processing cost ÷ Visa/Mastercard volume = your effective rate.
Quoted 2.0% but effective rate says 3.1%? On $80,000/month volume that gap is $880 every month — $10,560 a year.
Calculate mine free →Ready to Stop Overpaying?
Send us your current statement or just reach out. We'll run the numbers and show you what transparent pricing really looks like — free, no obligation.
Request a Free Analysis Call (888) 592-1110