Is Flat-Rate Pricing Costing You More Than It Should?

Flat-rate pricing is popular for a reason.

It is simple, predictable, and easy to understand. One rate, straightforward fees, and no complex pricing statements.

For many businesses, that convenience makes sense.

But not all flat-rate pricing is the same, and even small differences in rates can become meaningful costs over time.

That is why comparing your options matters.

With flat-rate pricing, you typically pay a percentage of each sale plus a small transaction fee.

For example, a provider such as Square may charge around 2.6% + $0.10 for in-person transactions, while Quantum ePay offers qualifying businesses rates as low as 2.4% + $0.10.

At first glance, the gap looks minor. Over time, tha gats bigger in....


For example, on a $100 transaction:



On Square’s 2.6% + $10.10:

• $2.60 percentage fee
• $0.10 transaction fee
• $2.70 total

On Quantum’s 2.4% + $0.10:

• $2.40 percentage fee
• $0.10 transaction fee
• $2.50 total

That is a $0.20 difference on one sale.


Now multiply that across hundreds or thousands of monthly transactions.

As payment volume grows, even modest savings per transaction can help improve:

monthly profit
operating margin
available cash flow
room to reinvest in growth

That is why many businesses revisit flat-rate pricing once sales begin to scale.

The fastest way to know whether your current pricing is competitive is to run the numbers.

Use our Flat Rate calculator and see how your current rate stacks up.

Flat-rate pricing is simple. But simple does not always mean lowest cost.

At Quantum ePay, we help businesses understand what they are paying and whether a better flat-rate option may be available.

For some merchants, a modest rate improvement can create meaningful long-term savings.

The value is knowing what your current pricing is really costing you.