Flat-rate pricing is one of the most common pricing models, especially for startups and newer businesses. Rates are simplified and usually broken into swiped, keyed-in, and e-commerce transactions. That simplicity makes statements easy to read and predictable. Flat-rate pricing can be a good fit for low-volume businesses that want clarity with minimal complexity. The tradeoff is that as a business grows, those flat rates often include padding to cover higher-cost cards. The statement stays simpl