Head-to-head
Flatpay vs Square
Card-present rates and contract terms compared at typical UK hospitality volumes.
Card-present rate at typical volumes
| Monthly volume | Flatpay | Square |
|---|---|---|
| £5,000 | 1.49% | 1.75% |
| £15,000 | 1.49% | 1.75% |
| £30,000 | 0.99% | 1.75% |
| £60,000 | 0.99% | 1.75% |
Flatpay
Flat 1.49% on every in-person card — free terminal, no monthly fees, daily settlements
- Contract
- Month-to-month
- Settlement
- Next day
- Service fee
- None
Square
Card reader plus a free POS — popular with cafés and casual restaurants
- Contract
- Month-to-month
- Settlement
- Next day
- Service fee
- None