Affordable Payment Solutions | Unmatched Service
Grade: C — Score: 55/100
Flatpay leverages advanced technology to provide a seamless payment processing experience, ensuring that businesses can accept payments anytime and anywhere. Their solutions include payment terminals, point of sale systems, and online payment options, all designed to integrate smoothly into existing workflows.
The workflow is streamlined with a focus on user-friendliness, allowing merchants to manage sales efficiently. Flatpay offers 24/7 customer support, daily payouts, and a flat-rate pricing model, eliminating hidden fees and providing predictable costs for businesses of all sizes.
While Flatpay is designed to minimize risks associated with payment processing, businesses should consider their specific needs and transaction volumes. The service is tailored for various industries, but may not suit every business model, particularly those with unique payment processing requirements.
Payment Terminal: €0 start, 0.99% per transaction
Point of Sale: 1.49% per transaction below €200,000 annual card turnover, €0 monthly fee, POS kits from €1,495
Online Payments: €0 monthly subscription, €0 fixed transaction fee, 0.99% for Danish and EU cards, 1.99% for non-EU and corporate cards
Flatpay Capital: Flat fee based on funding amount and repayment speed
Consider switching to Square: Square offers similar payment processing solutions with a focus on small businesses and additional features like inventory management.
Flatpay can cover both, but the fit depends on how much store software the merchant needs. The terminal product is for taking card payments with access to Flatpay software, while the POS product adds product management, stock monitoring, reports, staff access, tables, receipts, refunds, discounts, and connected terminal workflows. Buyers that only need basic in-person payments should start with the terminal, while restaurants, salons, clinics, and retailers should evaluate the POS setup.
Flatpay is more service-led than self-serve. The vendor describes an in-person meeting, solution selection, and on-site installation for hardware, software, and setup. That is useful for merchants that want help, but it may feel too heavy for buyers who want to order a reader online and configure everything alone.
Yes. Flatpay's online payments product lists Shopify, WooCommerce, Magento, Prestashop, Shopware, Opencart, VirtueMart, Ucommerce, Drupal, Dynamicweb, and Ideal Shop integrations. The vendor also says other webshops can connect using an API key, so the online product is relevant beyond physical terminals and POS.
Yes, for selected accounting systems. Flatpay documents POS accounting integrations with Dinero and e-conomic, with revenue, fees, payouts, and attachments transferred overnight. Buyers using other accounting platforms should verify export options or integration coverage before committing.
Yes. Flatpay says its POS includes inventory management, analytics, sales reporting, and product-level stock updates when items are sold. It can help small stores avoid basic overstocking or understocking, but it should not be treated as a full inventory management platform for complex warehousing.
Buyers should check the public price list as well as the headline rate. Flatpay publishes a minimum monthly turnover requirement of €1,300 for terminal and POS customers, a €50 fee if the requirement is not met, replacement fees, receipt-roll fees, and accessory costs such as cash drawers and scanners. The rate may still be attractive, but the agreement should be reviewed against actual monthly card volume.
Yes. Flatpay lists daily payouts for the terminal product and says online payments are processed and paid out on weekdays. Merchants that depend on exact settlement timing should confirm local country terms, bank timing, and whether the same payout rhythm applies to every payment method they plan to accept.
Flatpay is more service-led, with a managed terminal, on-site setup, merchant portal, POS options, and published flat-rate positioning. SumUp is usually the simpler self-serve choice for small sellers, pop-ups, and very low-volume merchants that want to buy a reader and start quickly. The better choice depends on turnover, support needs, hardware expectations, and whether the merchant wants a managed POS bundle.
Flatpay is strongest when a merchant wants local installation, terminal support, POS hardware, and a flat-rate merchant-services package. Square and Zettle are usually more familiar self-serve options for small businesses that want a lighter setup and a broader app ecosystem. Buyers should compare total cost, supported countries, hardware ownership, reporting, inventory needs, accounting integrations, and onboarding style.
No. Flatpay Capital should be treated as an optional funding service for Flatpay merchants, not the core payment product. Flatpay describes it as a cash advance with a flat fee, funding in an average of 5 to 8 days, and repayment through a chosen percentage of daily card sales. It is presented by Flatpay Financial Services A/S and powered through a partnership with Liberis.
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