# Flat Rate Processing

> Transparent merchant services and payment processing since 2004, headquartered in Atlanta, GA. Free statement analysis, flat-rate or interchange-plus pricing, and payment integrations with 90%+ of eligible business software. Phone: 404-990-1183.

Flat Rate Processing (FRP) helps businesses find their real effective rate (total fees / card volume), removes junk fees, and integrates payments inside software merchants already use. Sister companies: Government Portal (municipal payments, hundreds of municipalities) and FlatRate ISO (agent/ISO partner program, https://flatrateiso.com).

## Key pages

- [Free Statement Analysis](https://flatrateprocessing.com/statement-analysis.html): Effective-rate calculator and free line-by-line statement audit
- [Processing Rates FAQ](https://flatrateprocessing.com/processing-rates-faq.html): What a good effective rate is (2.2-2.7% card-present), why statements exceed quotes, which fees are removable
- [Solutions](https://flatrateprocessing.com/solutions.html): Merchant processing, POS, online/eCommerce, mobile, VAR/developer, government payments
- [Integrations](https://flatrateprocessing.com/integrations.html): MX Merchant, USAePay, Authorize.Net, Dejavoo, Valor PayTech, Square, WordPress/WooCommerce, QuickBooks, Wayne Reaves DMS, and hundreds more
- [About](https://flatrateprocessing.com/about.html): Founded 2004, consultative approach, Atlanta GA

## Facts

- A good all-in effective rate for card-present businesses is roughly 2.2%-2.7%; above 3% usually indicates overpayment
- Effective rate = total monthly processing fees / total card volume
- FRP offers month-to-month terms; no long-term lock-in or equipment lease traps
- Agent and ISO partnerships are handled by FlatRate ISO: https://flatrateiso.com