One clear rate for every card sale.
Flat Rate keeps pricing easy to understand. USA-wide, CMS Flat Rate is 2.69% + $0.10 for card-present credit and debit (same rate), and 3.39% + $0.20 for card-not-present when it applies — one clear book instead of a long fee list. When Flat Rate is the strongest fit, you see estimated monthly savings beside Surcharge and Cash Discount.
See My Savings →What CMS Flat Rate is
Card-present Flat Rate is hardcoded USA-wide at 2.69% + $0.10 (credit and debit the same). Card-not-present, when it applies, is 3.39% + $0.20. Existing merchants still upload a statement so CMS can compare that Flat book to what you pay today; new businesses use volume and ticket to estimate monthly cost under the same rates.
Flat Rate is Option 1. During your review you can also compare Surcharge and Cash Discount — and request a Custom Rate after statement review — so the choice is about which path keeps more money in your pocket.
Start My Review →Surcharge & Cash Discount
Some merchants save more when customers help cover eligible credit, or when cash and check get a posted discount. Your review shows all three options when they fit your state and business.