Arizona Flat Rate: one clear rate for every card sale
Flat Rate keeps pricing easy for Arizona restaurants, retailers, clinics, and service businesses: one blended number for card sales instead of a long fee list. CMS builds your rate from a recent processing statement or from your industry, expected volume, and how customers pay — then shows estimated monthly savings next to what you pay today.
What you get
- One blended rate for credit and debit card sales
- Statement-based estimate when you already process
- Market offer for new Arizona businesses
- Side-by-side compare with Surcharge & Cash Discount
Built for how Arizona businesses actually get paid
Valley retail in Phoenix, hospitality in Scottsdale, and local service volume in Tucson can look very different on a statement. Flat Rate does not invent savings — it prices your book so you can see a clear monthly number. If Flat Rate wins the comparison, you keep a simple rate. If Surcharge or Cash Discount keeps more, your review says so in plain language.
- No jargon about behind-the-scenes fee stacks on the customer quote
- Available in all 50 states — Arizona is a priority market for CMS
- Confirm operating state during intake before activation
Surcharge & Cash Discount
Some Arizona merchants save more when customers help cover eligible credit (up to 3%), or when cash and check get about 3.5% off a card-inclusive posted price — after CMS confirms current Arizona rules.