Merchant services
without the mystery.
One flat 2.39% rate on every transaction. No statement fees, no PCI padding, no surprise reclassifications. Payment processing built into your POS — not bolted on.
What you pay: one number
2.39% on in-person swipes, dips, and taps. 2.39% on online checkout. 2.39% on hand-keyed transactions. 2.39% on invoice payments. Cash costs nothing. There is no monthly gateway fee, no statement fee, no PCI compliance fee, and no per-location surcharge.
A flat rate isn't a marketing gimmick — it's what happens when a processor stops hiding behind tiered pricing and interchange-plus teaser rates. The industry norm is to advertise a low headline number, then reclassify your rewards cards, corporate cards, and online transactions into more expensive buckets. On Simple every card is the same card. What you see on the pricing page is what you see on the deposit.
Watch your application move
Apply directly inside Simple. From the moment you submit, you can see your Merchant Identifier, application status, and gateway status under View Profile → Merchant Service Integration Status.
If underwriting needs a correction, the exact issue is listed with a Proceed-to-Edit button. Fix the field, resubmit, refresh — and the status updates. No black box. No mystery holds. You always know where you stand.
Built into the register, not bolted on
One database
Payments share the same customer, product, and inventory records as POS, invoicing, and e-commerce. Reconciliation isn't a nightly job — it's automatic.
1–2 business day deposits
Money settles into your bank in 1–2 business days on the standard schedule, tracked line-by-line against the transactions that produced them.
PCI-DSS compliant
Cardholder data never touches your device. Tokenization, encryption, and fraud tooling are on by default — with no monthly compliance surcharge.
Switching is the easy part
- 1
Apply in-app in minutes
Create your account, fill in the merchant application inside Simple, submit.
- 2
Track approval live
Watch the status update in real time. If underwriting needs anything, you'll see exactly what and where to fix it.
- 3
Start processing at 2.39%
Once approved, take card payments across every channel at the same flat rate — no toggles, no plan gate.
Migration support is included on every paid plan.
The math
A business processing $40,000/month in card volume, side by side.
| Line item | Simple | Typical provider |
|---|---|---|
| Processing rate | 2.39% flat | 2.6–2.9% + 10–30¢ per transaction |
| Monthly card processing | $956 | $1,040–$1,160+ (before fees) |
| Statement / PCI / gateway fees | $0 | $10–$30/month, sometimes more |
| Rate reclassification risk | None — one rate, every card | Rewards / corporate cards routed to higher tier |