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.

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2004Serving merchants since
90%+Software integrations
$0Hidden fees
AtlantaReal local support
The Problem

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 →
Tiered pricing — transactions quietly routed to higher-cost tiers you never see itemized.
Interchange downgrades — keyed-in and rewards cards penalized without your knowledge.
Annual fee creep — charges that appear once a year, buried on a December statement.
Equipment lock-in — terminal leases that cost multiples of the hardware price.
What We Do

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.

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🔗

Software Integrations

Integrated with 90%+ of eligible software — QuickBooks, Wayne Reaves, RecDesk, i-PLOW, and vertical platforms.

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🏛️

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.

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🌐

Online & eCommerce

Gateways, hosted checkout, recurring billing, ACH — connected to your existing website or platform.

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🤝

Agent / ISO Program

Our partner program lives at FlatRate ISO — industry-high splits, lifetime residuals, real training and leads.

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Why FRP

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 404-990-1183