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What we found
The store's flat rate looked friendly on the pricing page: a small percentage plus 30 cents per order. The catch lives in the order size. On a $12 sale, that fixed 30 cents is 2.5% before the percentage even clocks in, and this store lives on small orders.
Blend a month of them together and the true effective rate came out at 4.26%. Nobody lied. Nobody mentioned it either.
Representative examples based on typical merchant savings. Individual results vary. Real client stories are added as merchants agree to share them.
What changed
The storefront and checkout stayed exactly as customers know them. Behind the curtain, the processing moved to pricing that does not punish small tickets, set up through the processing partner.
The effective rate settled at 3.0%, worth about $8,500 a year. Finding that out cost the store nothing, because the processor pays us when a merchant switches and saves. We only win when the store wins.