Flat 2.5% + $0.15 Per Transaction Credit Card Processing
Stop guessing what you will really pay to run cards. With Coastal Pay, card transactions run at a clear 2.5% + $0.15 per transaction, with no gateway fee, no tiers and no surprise markups, backed by a next-generation gateway, 2,000+ integrations and instant approvals.
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Simple Pricing That Stays at 2.5% + $0.15
The rule is one line: each card transaction costs 2.5% of the sale plus $0.15, with no hidden gateway fees. The $0.15 is real and it is part of one flat rate, not a separate layer on top of a long list of markups.
Typical cost example
- $20 ticket: $0.50 + $0.15 = $0.65
- $100 ticket: $2.50 + $0.15 = $2.65
- $500 ticket: $12.50 + $0.15 = $12.65
The flat rate is designed to cover Visa, Mastercard and Discover, in person and online. A few items sit outside it, such as chargebacks and certain special cases like unusual card types or cross-border situations. Ask your specialist for a written list of exceptions for your account.
Built for Growing Businesses That Hate Complicated Fees
Flat pricing suits B2B companies, software businesses, multi-location retailers, e-commerce brands and hospitality operators who want to forecast costs without decoding a statement. Instead of a rate that moves with card type, you know your cost on every sale, which makes margin planning and pricing decisions simpler than with variable interchange-plus.
Coastal Pay adds instant approvals, a stable gateway and 2,000+ POS and software integrations, so switching does not mean rebuilding your stack.
Why Coastal Pay Beats Other 15¢ Per Transaction Options
Many providers advertise a 15 cent fee, but it often means something different. Here are the common models:
| Pricing model | What you pay | What to watch for |
|---|---|---|
| Coastal Pay flat rate | 2.5% + $0.15 per transaction | No gateway fee; ask for the list of exceptions |
| Percentage + 30 cents | A higher fixed fee per sale, often with separate online rates | Small tickets cost more |
| Interchange-plus + 15 cents | Interchange, plus a markup, plus 15 cents | Variable cost; compare the full effective rate |
| Membership + per-transaction fee | A monthly subscription plus a per-transaction fee | Fixed monthly cost before you process a dollar |
- One flat model: the percentage and the 15 cents together, with no monthly membership required to access the rate.
- No gateway fee: some providers add separate gateway, statement or card-not-present charges.
- Scalable support: a team you can reach by phone as your volume grows.
To be fair, flat pricing is not always the lowest cost. Businesses with very large tickets or mostly low-cost cards should compare an interchange-plus quote too. Coastal Pay can review your statements and tell you honestly which structure fits.
Questions About Our 15¢ Per Transaction Fee
Do you really charge only $0.15 per transaction?
The fixed part is $0.15 per transaction, paired with a flat 2.5% of the sale. A $100 sale costs $2.50 + $0.15 = $2.65. There is no gateway fee.
Are there any other fees?
There is no gateway fee. These items can fall outside the flat rate:
- Chargebacks
- Certain special cases, such as unusual card types or cross-border sales
Ask for a written list of exceptions for your account.
Does the $0.15 apply to online, in-person and keyed transactions?
The flat rate is designed to cover card-present and card-not-present sales. Confirm how keyed and other special transaction types are priced for your account.
Is flat rate cheaper than interchange-plus?
It depends on your card mix and average ticket. Flat pricing is simpler and more predictable. Compare an interchange-plus quote if you have very large tickets.
Get Approved in 2 Minutes and Lock In Your Flat Rate
Most standard-risk businesses are approved in about 2 minutes and can start taking payments in minutes.
- Apply online.
- Get approved with instant boarding.
- Start processing at 2.5% + $0.15.
Ready to lock in flat pricing? Lock In Flat 2.5% + $0.15 Pricing or call 888-266-1715.
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