Flat rate credit card processing for predictable payments
Accept payments with total clarity. Flat rate credit card processing gives you one predictable rate, transparent statements, and zero guesswork.
A simpler way to accept cards
What is flat rate credit card processing? It’s a straightforward pricing model where you pay one consistent rate for every transaction. That rate stays the same no matter which card your customer uses or which card network processes the payment.
Unlike interchange‑plus pricing models that vary by card type, rewards level, or transaction category, flat fee credit card processing is built to eliminate complexity. The result? Easier budgeting, cleaner statements, and fewer surprises.
With simplified flat rate credit card processing, you get:
- One predictable rate applied to every transaction
- No complex rate tables or card‑type breakdowns
- Clear monthly statements that are easy to reconcile
- Simplified forecasting for cash flow and margins
- Less time spent decoding fees and more time running your business
How simplified flat rate merchant services work
Flat rate merchant services are designed to remove friction from every transaction. From the moment your customer pays to the moment funds hit your account, the process is simple, secure, and fully transparent.
Your customer pays
With flat rate pricing, every transaction is charged the same predictable rate, regardless of card type or network.
The payment is securely processed
Each payment is authorized and settled through secure, compliant payment technology.
One flat rate is applied
A single, predictable flat rate is charged for every transaction.
Understanding flat rate vs. interchange‑plus pricing
When choosing a credit card processing model, the biggest difference between flat rate payment processing and interchange‑plus pricing comes down to simplicity versus variability.
Simplified flat-rate
- One simple rate
- Same price for every card
- Easy to estimate monthly costs
- Clean, easy‑to‑read statements
Best fit for
- Lower monthly sales volume
- Fewer in‑person, card‑present payments
- Easy forecasting and budgeting
- Prefer simplicity over complexity
Interchange plus
- Rates vary by card type
- Multiple interchange and network fees
- Monthly costs can change
- More detailed statements to review
Best fit for
- High monthly sales volume
- Mostly in‑person, card‑present payments
- Detailed visibility into processing fees
- Comfort with more complex pricing
Not sure which pricing model is right for you?
Our Payment Experts will review your business needs and processing statement to let you know if a simplified flat rate is best for your business.
Your rates, secured. Your business, protected.
With the Rate Sekurity Guarantee®, you’ll never overpay again.
Sekure is not a credit card processor—and that’s your advantage. Our Payment Experts have the freedom to shop the market and secure the best possible deal for your business. We don’t just stop at rates—we also make sure you have the right point-of-sale hardware and software to keep your operations running smoothly. With Sekure, you get unbiased advice, tailored solutions, and the confidence that your business is protected from unnecessary costs.
The Rate Sekurity Guarantee® meant I wasn’t getting taken advantage of anymore. I was getting the lowest rate for what’s best for my business. I never have to worry about hidden fees again.
Laura Hamilton
Owner of Laura’s flower shop
FAQs
What is flat rate credit card processing?
Flat rate credit card processing is a pricing model where every transaction is charged the same flat rate, regardless of card brand, card type, or rewards level. This approach removes pricing complexity and makes it easier to predict monthly processing costs.
How does simplified flat rate processing work?
With simplified flat rate processing, every transaction follows the same structure:
- A customer pays with a card
- The payment is processed securely
- One flat rate is applied
- Funds are deposited, and fees appear clearly on your statement
There’s no need to track different rates for different cards, making day‑to‑day payment management easier.
Is flat fee credit card processing more expensive?
It depends on your business. The right pricing model varies by your volume, average ticket size, card‑present vs. online mix, and how much pricing variability you’re comfortable managing.
The best next step is to speak with a Payments Expert who can review your statement, explain your effective rate, and recommend whether flat rate credit card processing or interchange‑plus will be more cost‑effective for you.
Are there any hidden fees?
Our goal is complete transparency. With Sekure’s flat rate merchant services, your rate and any applicable per‑transaction fees are clearly disclosed upfront—no hidden charges and no surprises on your statement.
Can I switch to flat rate merchant services from my current provider?
Yes. Sekure will review your recent processing statement, explain your current effective rate, and guide you through the transition to flat rate merchant services with minimal disruption to your business.
Does flat rate payment processing work for online and in‑store sales?
Absolutely. Sekure supports flat rate payment processing across all channels, including in‑store POS, mobile payments, and eCommerce — so you can manage everything under one platform.
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