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Flatpay

Flatpay review

Money in, stress out.

By Ciroapp Editorial Team
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At a glance

Quick overview for Flatpay: rating, pricing summary, key features, and highlights.
Vendor page checked Nov 6, 2026

Ciroapp score

3.8/ 5

Simple, transparent pricing for SMBs.

We found Flatpay to be a straightforward payment processor with a clear, flat-rate pricing model that eliminates monthly fees. Its hardware options and focus on EU cards make it a solid choice for small to medium businesses seeking cost predictability. Overall, it delivers on its promise of simple, scalable payments without hidden costs.

Pros

  • Flat rate of 0.99% per transaction for Danish and EU cards with no monthly subscription fees, making costs predictable regardless of sales volume
  • Daily payouts to your bank account as standard on all plans, which improves cash flow compared to providers with weekly or monthly settlement schedules
  • 24/7 technical support is included across all plans rather than being gated behind a premium tier

Cons

  • International and corporate cards are charged at 1.99%, nearly double the EU card rate, which can hurt businesses with significant tourist or non-EU customer traffic
  • Businesses processing more than 200,000 EUR in annual card turnover must negotiate custom pricing, so the advertised flat rate does not apply to larger merchants
  • Refund policies for hardware, cancellation terms, SLA response times, and e-commerce integration compatibility are not clearly documented on the official site
Best for
  • Small cafés, restaurants, and market stall operators in supported EU markets who want no monthly fees and only pay per transaction
  • Small to medium retailers processing under 200,000 EUR annually who want predictable flat-rate pricing and daily payouts
  • E-commerce stores in the EU that want a simple online payment setup with 0.99% on EU cards and no monthly subscription
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.

What is Flatpay?

Running a business is hard enough without payments being another headache. You want simple, reliable tools that get out of your way. Flatpay aims to solve this by letting you accept payments easily.

Their system is described as smart and scalable for any business, anytime. It promises to help you save more of your hard-earned money.

Flatpay is a payment and point of sale system. It's designed for any kind of business that needs to accept payments. Whether you're in a shop, at a market, or online, Flatpay wants to handle your transactions.

The platform is built to be both flexible and powerful for modern businesses.

Should you choose Flatpay?

Quick buyer guidance before you compare plans or click through.

Choose it if

  • Small cafés, restaurants, and market stall operators in supported EU markets who want no monthly fees and only pay per transaction
  • Small to medium retailers processing under 200,000 EUR annually who want predictable flat-rate pricing and daily payouts
  • E-commerce stores in the EU that want a simple online payment setup with 0.99% on EU cards and no monthly subscription
  • Merchants currently on complex or opaque pricing plans who want a straightforward switch with guided onboarding

Skip it if

  • High-volume merchants processing over 200,000 EUR annually who would likely get better rates through negotiated or interchange-plus pricing elsewhere
  • Businesses with a large share of international or corporate card payments, since the 1.99% rate erodes the flat-rate advantage
  • Companies that require documented SLAs, explicit PCI compliance details, or verified e-commerce platform integrations before committing
  • Merchants operating primarily outside Flatpay's current markets (DE, DK, IT, FR, FI, NL, UK)

Next steps before buying

  1. 1Visit flatpay.com and use the savings calculator to estimate what you would pay at 0.99% versus your current provider's fees
  2. 2Choose the setup that fits your business: the standalone payment terminal (no upfront cost), the Basic POS at 1,495 EUR, the Premium POS at 2,495 EUR, or the online payment option
  3. 3Complete Flatpay's guided three-step onboarding process to activate your account and receive your hardware
  4. 4If your annual card turnover exceeds 200,000 EUR, contact the sales team first to request custom volume-based pricing before signing up

Flatpay Key Features

✨ Accept Payments Your Way

Flatpay lets you get paid from anywhere. It works for shops, markets, pop-ups, and online stores. You can choose the setup that fits your business best.

It’s flexible, so you can focus on your work, not the payment process.

✨ Clear, Simple Pricing

You pay a flat 0.99% per transaction for most cards. There are no monthly subscription fees or hidden costs. This means your costs stay predictable as you sell more.

You only pay when you get paid.

✨ Smart and Scalable Point of Sale

Flatpay is built for growth. The system handles more transactions as your business expands. One customer saved over €2,000 in their first year.

This shows the real savings possible for your bottom line.

✨ Hardware for Every Need

Choose the hardware that matches your setup. Options range from a simple payment terminal to full point-of-sale systems. Each includes the software you need to run your business.

Getting started is a straightforward process.

✨ Get Paid Faster

Flatpay offers daily payouts to your bank account. This helps your cash flow stay healthy. You can access your money quickly without long waits.

It’s designed to keep your business moving smoothly.

✨ Support When You Need It

You get 24/7 technical assistance with all plans. Help is available if you have a question about your hardware or software. This support is part of the service.

It’s there to make sure payments are never a problem.

Use Cases

☕ The Busy Café Owner

Your café is packed during the morning rush. You need a reliable way to take card and MobilePay payments quickly, without a complex setup or surprise fees. Flatpay's simple payment terminal, with its 0.99% rate, lets you serve customers fast. You get daily payouts and 24/7 support if any issue pops up.

Expected outcome: Faster checkout lines and more of your revenue staying in your pocket.

👗 The Growing Online Boutique

Your clothing store is now selling online, and you need a payment page that's easy for customers. You choose the Online Payment plan. There's no monthly fee, just a clean 0.99% on most EU card sales. You pay only for what you sell, and the process feels straightforward from day one.

Tip: This is ideal if you're just starting your e-commerce journey and want simple, transparent pricing.

🎨 The Pop-up Market Stall

You sell handmade crafts at weekend markets and need a portable, dependable way to accept payments. The Payment Terminal plan works perfectly. There's no setup cost or monthly subscription. You just pay a small percentage per transaction. With daily payouts, your cash flow stays healthy.

Problem: Needing a flexible, low-commitment payment solution for an unpredictable location. Approach: Using a no-commitment terminal with a flat transaction fee. Outcome: The freedom to sell anywhere with predictable costs.

🛍️ The High-Volume Retailer

Your physical store processes a high volume of sales daily. You need robust hardware and a system that won't slow down. The Premium POS gives you top-tier equipment for a one-time fee. The 0.99% transaction rate remains simple, and you get 24/7 technical assistance for peace of mind.

It's built to handle a busy storefront with ease, so you can focus on your customers, not the tech.

📊 The Small Business Switching Providers

You're tired of hidden fees and complex statements from your current provider. You switch to Flatpay's Basic POS. You pay a one-time cost for the tablet and hardware.

Then, you only pay 0.99% per transaction. No monthly fees, no surprises. You save over €2,000 in your first year compared to your old setup.

Flatpay pricing

Prices not verified yet — see the vendor page.

Flatpay's pricing page

Flatpay pricing page screenshotView pricing page screenshot

Price history

Tracking prices since Oct 1, 2026. No price change detected yet.

Pricing types: Monthly subscription, Yearly subscription

Pricing notes

Flatpay offers transparent payment processing with no monthly subscription fees and a flat 0.99% transaction rate for most EU cards. 🚀

Payment terminal

Price: 0 EUR setup (0.99% per transaction) Best For: Small businesses processing under 200,000 EUR annually

Basic POS

Price: 1,495 EUR one-time (0.99% per transaction) Best For: Retailers needing a structured point-of-sale system

Premium POS

Price: 2,495 EUR one-time (0.99% per transaction) Best For: High-volume businesses looking for a complete terminal solution Other Features: Premium POS Hardware, Customizability features, 24/7 technical assistance

Online Payment

Price: 0.99% per transaction (Danish/EU cards) Best For: E-commerce stores looking for clean pricing Other Features: 1.99% for international/corporate cards, 0.13 EUR MobilePay fee, 0 EUR monthly feel

If you run an online shop, this plan removes the headache of complex gateway fees. It’s a straightforward way to accept digital payments while paying only for what you actually sell through your website.

Flatpay does not explicitly state a free trial period, but there are no monthly subscription fees for their standard services, meaning you only pay when you get paid. For businesses processing over 200,000 EUR, custom rates are available upon request to better fit your specific volume needs. All plans include 24/7 support and daily payouts as standard to help with your cash flow. ✨", "pricing_range": "0.99% per transaction", "pricing_types": [ "Monthly", "Usage-based", "One-time" ], "free_trial": false, "free_trial_days": null, "money_back_guarantee": false, "money_back_days": null, "pricing_screenshot": null, It’s a straightforward way to accept digital payments while paying only for what you actually sell through your website.

Flatpay does not explicitly state a free trial period, but there are no monthly subscription fees for their standard services, meaning you only pay when you get paid. All plans include 24/7 support and daily payouts as standard to help with your business cash flow. ✨", "plans": [ { "name": "Payment terminal", "monthly_price": "0 EUR", "annual_price": null, "features": [ "24/7 support", "Daily payouts", "Customer portal", "No hidden fees" ], "limits": "Below 200,000 EUR annual turnover", "cta": "Calculate savings" }, { "name": "Basic POS", "monthly_price": "1,495 EUR one-time", "annual_price": null, "features": [ "Software Customizability", "Hardware Included", "Tablet", "Service Included" ], "limits": "Below 200,000 EUR annual turnover", "cta": "Calculate savings" }, { "name": "Premium POS", "monthly_price": "2,495 EUR one-time", "annual_price": null, "features": [ "Software Customizability", "Premium POS Hardware", "Service Included" ], "limits": "Below 200,000 EUR annual turnover", "cta": "Calculate savings" }, { "name": "Online Payment", "monthly_price": "0 EUR monthly subscription", "annual_price": null, "features": [ "0.99% Danish + EU cards", "1.99% international cards", "0 EUR 3D Secure", "Software Customizability" ], "limits": "Above 200,000 EUR annual turnover", "cta": "Calculate savings" } ] } }

Flatpay pricing: Flatpay offers transparent payment processing with no monthly subscription fees and a flat 0.99% transaction rate for most EU cards. Hardware options like POS terminals are available for a one-time purchase starting at 1,495 EUR with no hidden costs or daily payout fees of its own. It's built to keep your business's cash flow moving smoothly with total cost transparency from the start. 🚀

Payment terminal

Price: 0 EUR setup (0.99% per transaction) Best For: Small businesses processing under 200,000 EUR annually Other Features: 24/7 support, Daily payouts, Customer portal, No monthly subscription fees

This option is perfect if you just need a reliable way to take floor payments without fixed monthly costs. It lets you keep more of what you earn while enjoying around-the-clock support for your hardware.

Basic POS

Price: 1,495 EUR one-time (0.99% per transaction) Best For: Retailers needing a structured point-of-sale system Other Features: Flatpay Tablet, Software customizability, Hardware included, daily settlements

Choose the Basic POS if you want a dedicated tablet setup to manage your daily sales more efficiently. It combines professional hardware with a simple flat-rate transaction fee to keep your operations predictable.

Premium POS

Price: 2,495 EUR one-time (0.99% per transaction) Best For: High-volume businesses looking for a complete terminal solution Other Features: Premium POS Hardware, Customizability features, 24/7 technical assistance

This is the top-tier physical setup for businesses that want the best hardware Flatpay offers. You get all the standard features with upgraded equipment to handle a busy storefront with ease.

Online Payment

Price: 0.99% per transaction (Danish/EU cards)

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User Reviews

The Trustpilot link returned an error, and Capterra had no data. 🚫 Therefore, we cannot synthesize a balanced summary of user sentiment regarding accuracy, ease of use, support, or value from these sources.

Our assessment is based solely on the information from Flatpay's own website.

Summarized from public reviews on Trustpilot

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Why use Flatpay?

Why Flatpay Could Be Your Next Business Move

Let's be honest, dealing with payments shouldn't be the most stressful part of your day. Flatpay focuses on making that process smoother so you can mind your business. 📈

Here’s what stands out:

  • Real savings you can see. One customer reported saving more than €2,000 in their first year. That's a significant boost to your bottom line right from the start.
  • Works for your business. The system is built for any business. This implies a level of flexibility and adaptability for different needs and setups.
  • Scales as you grow. The service is described as smart and scalable. This means it's designed to handle increasing transaction volumes as your business expands.
  • A simple, guided process. Getting started is broken down into clear steps (Step 1, Step 2, Step 3). This suggests a straightforward onboarding experience without a steep learning curve.
  • Accessible everywhere. The core promise is accepting payments anytime, anywhere. This gives you the freedom to conduct business on your terms, not just from a fixed location.
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Flatpay FAQ

What payment methods and cards does Flatpay accept?

Flatpay accepts Danish and EU cards at 0.99% per transaction. International and corporate cards are accepted at a 1.99% rate. MobilePay is also supported with a 0.13 EUR fee per transaction.

Are there any monthly subscription or hidden fees?

No, there are no monthly subscription fees. Flatpay charges only a flat rate per transaction (e.g., 0.99% for most plans). This includes 24/7 support and daily payouts with no hidden costs.

Is there a free trial or money-back guarantee?

Flatpay does not offer a traditional free trial period. Since there are no monthly fees, you only pay per transaction as you earn. No money-back guarantee is explicitly stated on the official site.

What's included with the hardware like the Basic or Premium POS?

The Basic POS (1,495 EUR) includes a Flatpay Tablet, software customizability, and all hardware. The Premium POS (2,495 EUR) adds upgraded hardware for high-volume stores. Both include daily settlements and service.

How does Flatpay handle data security and compliance?

It's recommended to check their terms of service or contact support for details on PCI compliance and data protection measures.

What e-commerce platforms does Flatpay integrate with?

You should verify compatibility by checking their integration documentation or contacting support for your specific platform.

What does 'daily payouts' actually mean?

It means Flatpay settles and pays out your transaction funds to your bank account every day. This helps improve your business cash flow compared to weekly or monthly payout schedules.

How do I set up and migrate to Flatpay from another provider?

Flatpay advertises a simple, guided onboarding process in three steps.

What are the limits or quotas on transactions or volumes?

Above that threshold, you must contact sales for custom pricing, which implies a volume-based limit for the default rate.

Can I cancel my service or return hardware?

Refund policies for hardware or cancellation terms for service are not provided in the pricing details. You should clarify this before purchasing.

Which countries and regions does Flatpay support?

Flatpay is focused on the EU and Danish markets, given its pricing tiers for Danish/EU cards. International card support is available at a higher rate, but full geographic availability isn't detailed.

How responsive is Flatpay's 24/7 support? Is there an SLA?

Flatpay includes 24/7 technical support across all plans.

Is Flatpay a good fit for my business type?

It's designed for any business needing payments, from physical retail to e-commerce.

Ready to try Flatpay? Check out the official site or pricing.
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