Understand the rate
A percentage plus a per-transaction charge responds to both sales value and transaction count. The average ticket size therefore affects the effective cost.
YOUR NEXT BUSINESS MOVE
Flat-rate processing explained
A simple headline still needs a clear definition of eligible transactions.
01
Work through the essentials.
A simple headline still needs a clear definition of eligible transactions.
Check the boundaries
Ask which card types, channels, countries, and transaction methods the quoted rate covers. Confirm any exceptions in writing.
Include other charges
Review subscriptions, equipment, disputes, refunds, and other applicable costs. Use the same inputs when comparing with an interchange-plus proposal.
02
Turn the review into a decision.
Use a short written checklist so important details are not lost.
Document the assumptions
Record the information used, what is confirmed, and what still needs an answer. Keep estimates distinct from the final agreement or production behaviour.
Ask for a complete scope
Identify the work, costs, responsibilities, dependencies, and ongoing support. Compare the whole arrangement instead of one attractive feature.
Verify the practical journey
Use an appropriate sample workflow to confirm that the chosen setup can do what the team needs. Financial and provider settings should be approved by the responsible party.
Sources reviewed September 8, 2026: FCAC merchant guidance ↗ . Provider products and terms can change; confirm the current proposal. No affiliation or endorsement is implied.
Keep exploring.
Read your merchant statement
Separate transaction activity from the charges that affect your total cost.
ExploreInterchange-plus explained
Understand the difference between the underlying payment costs and the processor markup.
ExploreCash discounts and dual pricing
Review the customer price display and the applicable rules before changing checkout pricing.
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