Our Flat Rate program is designed to provide simple, predictable pricing without the complexity of interchange billing.
Quick Summary
The Standard Flat Rate Offering through our negotiated Fiserv Plan:
- 2.89% + $0.35 for online Visa, Mastercard, and Discover credit card transactions
- 3.00% + $0.35 for online American Express transactions
- $13.50/month in base account fees
- 2.65% + $0.35 for optional in-person card payments using a card reader
If you're currently processing with another provider, send us a recent processing statement and we'll gladly compare your options and help determine whether Flat Rate or Interchange Plus is the better fit.
Important: These rates represent our standard pricing template. Before signing any processing agreement, always review your application to ensure the rates and fees match your expectations.
More Details - Credit Card Processing
Online Payments
These rates apply to payments entered online through InflatableOffice.
| Fee | Amount |
|---|---|
| Visa, Mastercard, and Discover Processing Rate | 2.89% |
| American Express Processing Rate | 3.00% |
| Transaction Fee | $0.25 per successful transaction |
| Authorization Fee | $0.10 per authorization |
Optional In-Person Payments
If you'd like to accept cards in person, compatible card reader hardware can be added to your account.
| Fee | Amount |
|---|---|
| Visa, Mastercard, Discover, and American Express Processing Rate | 2.65% |
| Transaction Fee | $0.25 per successful transaction |
| Authorization Fee | $0.10 per authorization |
Monthly Account Fees
| Fee | Amount |
|---|---|
| CardPointe Platform Fee | $10.00/month |
| Regulatory Product Fee | $3.50/month |
| Total Monthly Base Cost | $13.50/month |
Optional ACH Payments
ACH allows customers to pay directly from their bank account through InflatableOffice payment and contract pages.
ACH processing is completely optional and can be enabled during setup or added later.
| ACH Fee | Amount |
|---|---|
| ACH Monthly Fee | $10.00/month |
| ACH Processing Rate | 0.50% |
| ACH Transaction Fee | $0.50 |
| Account Validation Fee | $0.25 |
| ACH Return Item Fee | $1.00 |
| Merchant NSF Fee | $25.00 |
Additional Possible Fees
The fees below only apply when the associated event occurs. We include them here for transparency so you understand what they are before they ever appear on a statement.
Most payment processors assess similar fees, although the exact amounts may vary by provider.
| Fee | Amount | When It Applies |
|---|---|---|
| Chargeback Fee | $25.00 | When a customer disputes a transaction through their bank or card issuer. |
| Retrieval Request Fee | $15.00 | When a card issuer requests supporting documentation related to a transaction. |
| PCI Non-Compliance Fee | $29.95/month | Only if required PCI compliance steps are not completed. |
Fee Explanations
Authorization Fee
An authorization occurs any time the processor attempts to verify a card with the cardholder's bank.
Authorization fees apply whether a transaction is approved or declined.
Examples include successful payments, declined payments, invalid card numbers, expired cards, failed transactions, and refund authorizations.
Transaction Fee
A transaction fee applies when a payment or refund successfully processes.
PCI Compliance
PCI compliance is included at no additional charge.
The PCI Non-Compliance Fee only applies if required PCI compliance steps are not completed.
Merchants using InflatableOffice's integrated payment solution and hosted payment pages should generally have a straightforward compliance process. If you need assistance, our team is happy to help.
Chargeback Fee
A chargeback occurs when a customer disputes a transaction with their card issuer. Chargeback fees are standard throughout the payment processing industry.
Retrieval Request Fee
A retrieval request occurs when a card issuer asks for supporting documentation before deciding whether to initiate a chargeback.
Account Validation Fee
When ACH payments are used, account validation may be performed to verify that a customer's bank account information is valid before processing.
ACH Return Item Fee
This fee applies when a customer's bank rejects or returns an ACH payment. Common reasons include insufficient funds, invalid account information, or a closed bank account.
Merchant NSF Fee
This fee applies if the processor attempts to debit fees from your business bank account and the debit is rejected due to insufficient funds or invalid account information.
Additional Notes
- Visa, Mastercard, Discover, and American Express are supported.
- ACH payments are optional.
- In-person card payments are optional and require compatible hardware.
- Most merchants only incur the processing rates and monthly fees listed above.
- If you have questions about any fee listed here, contact us and we'll gladly explain it.
Disclaimer
This article is intended to provide a transparent overview of the standard Fiserv Flat Rate pricing program. While we make every effort to keep this information accurate and current, payment processing agreements, underwriting requirements, card brand rules, sponsoring bank requirements, and regulatory requirements may change over time.
The merchant application, processing agreement, and any related addenda signed during account setup will always govern the account and take precedence over this article.