Head-to-head
Flatpay vs Stripe Terminal
Card-present rates and contract terms compared at typical UK hospitality volumes.
Card-present rate at typical volumes
| Monthly volume | Flatpay | Stripe Terminal |
|---|---|---|
| £5,000 | 1.49% | 1.40% |
| £15,000 | 1.49% | 1.40% |
| £30,000 | 0.99% | 1.40% |
| £60,000 | 0.99% | 1.40% |
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
Stripe Terminal
Developer-friendly card-present payments — integrates with custom POS and online checkout
- Contract
- Month-to-month
- Settlement
- 2–3 day
- Service fee
- None