Flat rate or match-or-beat
Tired of variable rates? Switch to one flat rate.
One simple rate on every card, so you always know what you'll pay. Prefer your current pricing style? Send us your statement and we'll match or beat it.
Flat-rate processing
For owners who are done decoding statements.
- One rate on every card, swipe, dip or tap
- No tiers, no “non-qualified” surprises
- Fees you can check in seconds
Match or beat
Happy with how you're priced, just not the price? Send us your statement.
- We find your real effective rate
- We match it or beat it
- If we can’t, we’ll tell you
How the rate review works
1. Request a review
Fill out the form below and tick “match or beat my rate”.
2. We find your real rate
We break down your statement, including the fees most people miss.
3. Get your offer
A rate that matches or beats what you pay now, or a straight answer if we can't.
No guessing.You'll see your current effective rate side by side with ours before deciding anything.
Help switching. If you move to smart-Ai POS, we set up your register, products, staff and sales tax with you.
Free quote
Get your flat rate or a match-or-beat offer
Takes about a minute. We'll reach out the way you prefer.
Rate review questions
What is flat-rate processing?+
Instead of different rates for different card types and “qualified” or “non-qualified” tiers, you pay one rate on every card transaction. Your fees are easy to predict and easy to check.
Flat rate or match-or-beat: which is better?+
It depends on your card mix and ticket size. Flat rate is simplest; some businesses save more with a matched or beaten interchange-based rate. Send us a statement and we'll show you both.
What's an effective rate?+
It's everything you paid in processing fees divided by your total card sales, including the monthly and per-transaction fees that are easy to miss. It's the only number that tells you what card payments really cost you.
What do I need to send?+
One recent monthly statement from your current processor. After you request a review, we'll tell you the easiest way to share it.
What if you can't beat my rate?+
We'll tell you plainly. You'll still know exactly what you're paying today.
Do I have to switch my POS to get the rate?+
The rate review is free. We'll walk you through the offer and what switching to smart-Ai POS involves, so you can decide.