A real rate, on your real statement.
Three pricing models — zero cost processing, flat rate, and tiered. Free hardware, no monthly fee. The actual number comes from a free statement audit.
Choose how you pay.
Three pricing structures, no hidden fees on any of them. We'll recommend the best fit during onboarding — and the actual rate comes from a free statement audit.
Pass processing fees to cardholders through a compliant surcharge or cash discount program. You pay nothing on credit card transactions.
- Merchant pays 0% on credit cards
- Compliant surcharge program
- Cash discount signage included
- No monthly processing fees
The honest comparison.
Competitor rates as published Jan 2026. FloPay rates are quoted from your last processing statement — we don't advertise a headline rate.
Run the audit. Get the quote.
We don't publish a marketing rate or a hypothetical comparison — every business runs a different card mix and a different volume. Run the free statement audit and we'll come back with the actual number, tailored to your business.
Six quick questions, instant savings range on screen. Upload your statement and a specialist confirms the exact rate.
Audit is free. No SSN, no credit pull, no contract until you decide to switch.
Real numbers, in writing. You decide whether the move makes sense for your business.
Free statement audit. Real quote in writing.
Pricing is built around your actual processing volume and card mix — not a posted marketing rate. We'll show you exactly what your business would pay.
Three volume bands. That's it.
We work with established merchants processing $100k/mo and up. Your final rate comes from a statement audit, not a website table — these bands describe what's included at each volume.
- Free terminal
- 24/7 US-based support
- Same-day funding
- Online dashboard
- Everything in Growth
- Dedicated rep
- Recurring billing
- Multi-location reporting
- Everything in Scale
- ACH + B2B card rates
- Custom integration
- Quarterly business review