Best Membership Pricing Merchant Accounts

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

The merchant account industry is currently experiencing a small pricing revolution. Conventional tiered pricing models have been replaced by interchange-plus pricing and flat fee pricing over the past decade, and now a new pricing model has emerged that could be more transparent and affordable than anything that came before. Known as “membership pricing,” “subscription pricing,” or “flat rate pricing,” this pricing approach removes the traditional percentage-based markup on all transactions and only charges interchange plus a few cents per transaction on top of a flat monthly fee. In other words, larger transactions will not result in larger processing fees. This model keeps processing costs predictable, and it also means that merchants who process a low number of high-dollar transactions have a chance to save some serious money.

Membership-style pricing is especially popular among newer companies and payment startups, which can make it difficult to identify reliable providers with established reputations. To help, we’ve put together the following list of the best membership pricing merchant accounts. These credit card processors offer subscription-style pricing as well as a wide array of products and services designed to serve retail, mobile, and e-commerce business types. The details of each provider’s flat rate pricing plan will vary, but merchants can generally expect to be quoted a set monthly fee and a flat, fixed markup above interchange on each transaction. In order to find the provider that is best for your business, be sure to research each provider’s product lineup and negotiate aggressively with multiple providers.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers


Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant is capable of serving all standard-risk retail, mobile, and internet-based business types and offers free equipment for all accounts.

Fattmerchant offers multiple pricing plans with different rates, but all of its plans charge a fixed monthly fee and a fixed per-transaction dollar amount above interchange. In other words, none of Fattmerchant’s plans charge a percentage-based fee on each transaction, meaning that merchants will not pay more to process a large transaction than they will a small transaction. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.

Learn more at the Fattmerchant website, or call (866) 397-9826.

Transparent Merchant Services

Transparent Merchant Services is a Scottsdale, Arizona-based merchant account provider that offers a membership-style pricing model. Rather than charging a percentage of each transaction, Transparent charges a small, flat fee above interchange on all transactions in addition to a fixed monthly membership fee. This makes Transparent remarkably affordable for merchants that process a low number of large-ticket transactions. It also keeps the company’s pricing predictable and transparent from month to month. Transparent Merchant Services serves retail, mobile, and e-commerce business types.

Transparent has received exclusively positive public feedback since it opened in 2008 and offers month-to-month agreements with no early termination fees. Transparent provides its merchants with live phone support during business hours as well as chat support and email support. Our review of Transparent gives the company an “A” rating, while the BBB gives Transparent an “A+” rating.

For more information, see the Transparent website or call (888) 510-2937.

Payment Depot

Based in Orange, California, Payment Depot is a merchant account provider that, like Transparent Merchant Services, utilizes a subscription-style pricing plan. The company charges a fixed dollar amount per transaction with a flat monthly fee, and it offers three different pricing tiers. The company’s “Basic” membership charges interchange plus $0.25 per transaction with a monthly fee of at least $16.58, although each business will receive a custom quote for its fixed monthly rate. Payment Depot’s “Most Popular” membership charges interchange plus $0.15 per transaction with a monthly fee of $33.25 or more, while its “Best Value” membership charges interchange plus $0.10 per transaction with a monthly fee of $49.91 or more. Payment Depot does not charge any early termination fees, PCI compliance fees, or other hidden recurring fees.

Payment Depot provides products and services for the retail, restaurant, B2B, mobile, and e-commerce industries. Our review of Payment Depot gives it an “A” rating at this time, while the BBB also gives Payment Depot an “A.”

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.


Founded in 2015, Paymently is a merchant account provider that specializes in flat rate merchant account pricing. The company’s products and services include point-of-sale equipment, credit card terminals, mobile phone processing, an online payment gateway, an online shopping cart, recurring billing, and QuickBooks integration. Paymently offers three plans with three different monthly fees and fixed rates of interchange plus $0.05, $0.10, and $0.20.

Paymently does not require long-term contracts or impose processing limits on any of its plans. Our review of Paymently current assigns it an “A” rating, while the Better Business Bureau does not maintain a profile for Paymently at this time.

If your business offers membership-style merchant accounts, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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