High-value sales
No extra fee on reward, business and overseas cards
Flatpay charges the same rate for every card type, so a customer paying a big bill on a reward credit card, a business card or an overseas card costs you no more than one on a debit card: 1.49% with the terminal. On published prices a non-UK card costs 3.7% with Square and 2.9% plus 10p with Stripe. Flatpay's UK pages do not list card networks, so we confirm American Express on your quote.
Get a free Flatpay quotePremium, reward and overseas cards: no extra charge
Customers buying something expensive often pay on a reward credit card to collect points, and visitors pay on overseas cards. Many providers charge you more for those. Flatpay charges the same rate for every card type.
| Fee on a £5,000 payment on an overseas card | Cost to you |
|---|---|
| Flatpay | £74.50 |
| Zettle | £87.50 |
| Stripe Terminal (non-EEA card) | £145.10 |
| Square (non-UK card) | £185.00 |
- Flatpay: "You pay the same low rate for every card type." Its UK pages do not list which card networks it accepts, so American Express is confirmed on your quote. source
- Overseas customers with eligible Visa and Mastercard cards can choose to pay in their own currency. Flatpay charges no extra fee for this and shares 1% of the conversion mark-up with the business as a discount on its fees. source
- Square: 1.75% on UK cards; 1.75% plus 1.95% on non-UK cards. source
- Stripe Terminal: 1.4% + 10p on EEA cards; 2.9% + 10p on non-EEA cards. source
- Zettle: the same 1.75% for major cards and wallets, "even American Express". source
What each provider charges by card type
- -Flatpay: "You pay the same low rate for every card type." Its UK pages do not list which card networks it accepts, so American Express is confirmed on your quote. source
- -Overseas customers with eligible Visa and Mastercard cards can choose to pay in their own currency. Flatpay charges no extra fee for this and shares 1% of the conversion mark-up with the business as a discount on its fees. source
- -Square: 1.75% on UK cards; 1.75% plus 1.95% on non-UK cards. source
- -Stripe Terminal: 1.4% + 10p on EEA cards; 2.9% + 10p on non-EEA cards. source
- -SumUp Payments Plus: 0.99% on UK consumer cards, 1.69% on other cards. source
- -Zettle: the same 1.75% for major cards and wallets, "even American Express". source
- -Dojo: 1.2% blended "for all card transactions" under £100,000 a year; its listed schemes do not include American Express. source
Sell high-value items or serve visitors? Get a free Flatpay quote through GetBrent and ask us to confirm American Express.
Get my free quoteBusinesses where this matters most
- Card machines for garages and MOT centres in Bournemouth
- Card machines for spas and wellness studios in Bournemouth
- Card machines for jewellers in Bournemouth
- Card machines for clothing boutiques in Bournemouth
- Card machines for hotels and guest houses in Bournemouth
- Card machines for women's fashion boutiques in Bournemouth
- Card machines for watch shops in Bournemouth
- Card machines for golf shops and pro shops in Bournemouth
- Card machines for motorsport and classic car businesses in Bournemouth
- Card machines for antiques and collectables dealers in Bournemouth
- Card machines for art galleries in Bournemouth
- Card machines for furniture and interiors showrooms in Bournemouth
- Card machines for bridal shops in Bournemouth
- Card machines for wine merchants and delis in Bournemouth
- Card machines for cycle shops in Bournemouth
- Card machines for veterinary practices in Bournemouth
- Card machines for restaurants in Bournemouth
Questions
Does Flatpay charge more for credit cards or reward cards?
No. Flatpay says you pay the same low rate for every card type: 1.49% with its terminal and 1.69% with its POS, up to £200,000 a year, then 0.99%.
Does Flatpay charge more for overseas cards?
Not according to its pricing, which is the same for every card type. By comparison Square adds 1.95% on non-UK cards and Stripe charges 2.9% plus 10p on non-EEA cards.
Does Flatpay accept American Express?
Flatpay's UK website does not list the card networks it accepts. Ask on your quote and the sales manager will confirm American Express for your business before you sign.
Can overseas customers pay in their own currency?
Overseas customers with eligible Visa and Mastercard cards can choose to pay in their own currency. Flatpay charges no extra fee for this and shares 1% of the conversion mark-up with the business as a discount on its fees. The customer must be free to choose, and staff must not steer them either way.
Which businesses gain most from a flat rate on every card?
Businesses with large bills and customers who collect points or travel: jewellers and watch shops, boutiques, golf and cycle shops, galleries and antiques, furniture showrooms, classic car and motorsport businesses, hotels, restaurants, garages and vets.
More card machine guides
Sources, last checked 21 October 2026
Facts about Flatpay come from Flatpay's own website; to get a quote, use the form on this page.
flatpay.com (en gb), flatpay.com (allow international customers to pay in ), squareup.com (pricing), stripe.com (pricing), sumup.com (pricing), zettle.com (pricing), dojo.tech (pricing)
Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.
Get my free quoteGetBrent is an independent UK directory. We work with Flatpay and may receive a fee if you sign up through this page; that does not change the facts shown, which come from each provider's own website or the regulator, checked 21 October 2026. Terms change, so check your own agreement.