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Methodology
Flatpay
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At a Glance
Overview
Flatpay is a fintech payments platform for small and medium-sized merchants offering card terminals, flat-rate transaction processing, POS systems (inventory, tables, saved orders), mobile POS, online payments, and pay-by-link. It emphasizes transparent, flat per-transaction pricing (no monthly s... Learn more
Capabilities
- AI Enabled
- API Available
- Open Source
- CLI Available
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Melio is a cloud-based B2B payments platform for small and midsize businesses and accounting firms that combines accounts payable and accounts receivable capabilities. It supports paying vendors via ACH, card, wire, and mailed checks, offers AI-powered bill capture and an AI assistant, approval w... Learn more
Capabilities
- AI Enabled
- API Available
- Open Source
- CLI Available
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Pricing
Free trial available
Free plan available
Billing type
Usage Based
POS Pro (below £200,000 turnover)
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POS Pro (above £200,000 turnover)
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POS Premium (below £200,000 turnover)
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POS Premium (above £200,000 turnover)
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Online Payments (EU / Danish cards)
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Online Payments (non-EU / international cards)
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Pay-by-Link (below £200,000 turnover)
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Pay-by-Link (above £200,000 turnover)
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Onboarding & Installation — mPOS (example)
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Onboarding & Installation — POS Pro (example)
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Onboarding & Installation — POS Premium (example)
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3D Secure activation (example)
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MobilePay add-on (region-specific)
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Payment Terminal (below £200,000 annual card turnover)
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Payment Terminal (above £200,000 annual card turnover)
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Mobile POS (mPOS) — below £200,000 turnover
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Mobile POS (mPOS) — above £200,000 turnover
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Free trial available
Free plan available
Billing type
Recurring Subscription
Go
$0.00
/ month
Core
$25.00
/ month
Boost
$55.00
/ month
Unlimited
$80.00
/ month
Platinum (Enterprise)
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Pros and Cons
- Transparent flat per-transaction pricing; many offerings have no monthly subscription.
- Unified offering: terminals, POS, online payments and pay-by-link.
- 24/7 support and daily payouts.
- Supports DCC and surcharge options for international/business cards.
- Multilingual and multi-market regional presence across several European countries.
- No fully public developer API portal or published machine-readable API documentation — integrations rely on Frisbii gateway.
- Offline transaction capture / disconnected operation not clearly documented.
- Onboarding and hardware costs for higher-end POS bundles can be significant.
- Some features (surcharging, MobilePay, 3D Secure) are region-dependent and may incur additional fees.
- Generous free plan (Go) with meaningful features and free ACH allotment
- Covers both payables and receivables in one platform
- Strong integrations with QuickBooks, Xero, and NetSuite
- Flexible payment methods and speed options (ACH, card, wire, check, instant)
- Strong security and compliance posture (SOC 2, ISO standards, PCI via processor)
- Some advanced features (classes/locations, QuickBooks Desktop sync) limited to higher tiers
- Transaction fees (card percentages, check/wire fees) can be significant at high volumes
- Payouts API and some international rails are in limited/closed beta and not fully global
- Detailed/custom reporting/export capabilities were not clearly verified in public documentation
Reviewer's Segments
Insufficient data to show segment split
Small Business
95.56%
Mid Market
4.44%
Enterprise
0.0%
Deployment
- Cloud based
- Desktop based
- Mobile based
- On-premise
- Cloud based
- Desktop based
- Mobile based
- On-premise
Support
- 24/7 (Live rep)
- Chat
- Email/Help Desk
- FAQs/Forum
- Knowledge Base
- Phone Support
- 24/7 (Live rep)
- Chat
- Email/Help Desk
- FAQs/Forum
- Knowledge Base
- Phone Support
Training
- Documentation
- In Person
- Videos
- Documentation
- In Person
- Videos
Integrations
Total integrations:
2
- Every (Every.io)
- Expensify
- FreshBooks
- Gusto
- HubSpot
- QuickBooks Online
- Sage Intacct
- Shopify
- Tax1099
- WooCommerce
- Xero
- Zapier
- Zoho Books
Total integrations:
12
- Every (Every.io)
- Expensify
- FreshBooks
- Gusto
- HubSpot
- QuickBooks Online
- Sage Intacct
- Shopify
- Tax1099
- WooCommerce
- Xero
- Zapier
- Zoho Books
Top Alternatives
Categories
Common categories include: Payment Processing Software.
Company Details
- By Flatpay
- Located in Herlev, Capital Region of Denmark
- Founded in 2022
- By Melio
- Located in New York, USA
- Founded in 2018
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