Flat rate processing is like a simple, no-surprises way to handle credit card fees. Instead of dealing with a bunch of different rates, businesses pay one fixed fee for each transaction. It’s kind of like having a flat phone bill where you know exactly what you’ll pay each month, no matter how many calls you make.

This method is super popular with small businesses and startups because it’s easy to understand and makes budgeting a breeze. But, like anything, it’s not perfect and might not be the cheapest option for everyone. In this guide, we’ll break down how flat rate processing works and help you decide if it’s the right fit for your business.