Secure payments.
Industry-leading rates.
The lowest processing rate of any POS in the U.S. No tiers, no negotiations.
Rates
- Card-present (tap, dip, swipe): 2.19%
- Card-not-present (online, keyed, invoice): 2.79%
No per-transaction fee on either.
See how that compares provider by provider on the lowest credit card processing rate in the U.S.
Based in Michigan? Our team is in Troy, so see credit card processing in Detroit and metro Detroit or credit card processing across Michigan.
Savings Calculator
Live math using verified August 2026 published rates.
Which of these do you use?
Simple
Processing only
$11,436
per year
Square
Processing + feature add-ons
$16,608
per year
Annual total: processing + on-toggle feature costs. Base software shown below.
Simple software
Square software
Free plan by default; $49/mo Plus and $149/mo Premium exist. Plus fee is counted above when a Plus-only feature is on.
You save
$5,172
per year vs Square
Not for sale at any price on Square
Estimates based on published August 2026 rates and typical published app pricing. Courier fees (DoorDash/Uber) excluded for Square delivery. Your actuals may vary.
How it works
Connect, accept, and get paid — in three simple steps.
Connect
Activate payment processing in minutes. No separate merchant account or complex setup needed.
- Instant activation
- No merchant account needed
- Transparent pricing
- Zero hidden fees
Accept Payments
Take tap, chip, swipe, online, and invoice payments with one unified system.
- Contactless & chip
- Apple Pay & Google Pay
- Online payments
- Invoice payments
Get Paid Fast
Funds deposited in 1-2 business days with transparent processing rates.
- Next-day deposits
- Transparent rates
- Auto-reconciliation
- Real-time tracking
Payment features
Every payment tool you need — secure, fast, and built right in.
All Payment Types
Accept cards, contactless, Apple Pay, Google Pay, and ACH transfers. One terminal handles everything.
Payment Methods
Visa
•••• 4242
Apple Pay
iPhone
Google Pay
Android
Contactless
Tap
PCI Compliant
Bank-grade encryption and PCI DSS Level 1 compliance built in. Your customers' data is always protected.
Security Status
Instant Processing
Sub-second transaction processing for a seamless checkout experience. No delays, no dropped transactions.
Transaction Processing
Tap to Pay
Turn any phone or tablet into a contactless payment terminal. No extra hardware required.
Tap to Pay
Fraud Protection
AI-powered fraud detection with chargeback management tools and real-time risk scoring.
Fraud Detection
One platform.
Perfectly integrated.
Payments connect to POS, e-commerce, invoicing, and register automatically.
6+
Integrated Modules
1
Unified Database
0
Manual Syncing
Onboarding you can actually see.
Transparent Merchant Onboarding
Watch your application status live, see exactly what needs correcting, and fix it in-app. No black box, no mystery holds, no vague 'under review' emails.
Switching from Square, Shopify, Clover, Lightspeed, or SkyTab?
See the side-by-side — features, rates, and annual savings.
Frequently asked questions
A flat 2.19% on card-present transactions, meaning tap, dip, or swipe at the counter. There is no per-transaction fee on top of it. Card-not-present transactions, like keyed-in or online payments, are 2.79%. No tiers, no negotiating, no rate that quietly creeps up after month three.
No. Most flat-rate processors charge a percentage plus a fixed amount per swipe, usually around 10 cents. Simple charges the percentage only. On a $10 ticket, a 10 cent fee is an extra 1% on top of the advertised rate, which is why small-ticket businesses get hit hardest by it.
Square's standard in-person rate is 2.6% plus 10 cents per transaction. Simple is 2.19% flat with no per-transaction fee. The gap widens the more transactions you run, because you are paying that fixed fee on every single one. Use the savings calculator on this page to run your own volume.
No monthly minimums, no statement fees, and no long-term contract. You pay your software plan and your processing rate. If it stops working for you, you are not locked in.
Yes. Processing runs PCI compliant end to end, with fraud protection built in and support for tap to pay, chip, swipe, and digital wallets. You are not paying a separate vendor for compliance tooling.
Onboarding is transparent, so you can see exactly what stage your application is in rather than waiting on a black box. You will need standard business details, ownership information, and a bank account for deposits. Most merchants are approved and processing quickly rather than waiting weeks.
Ready to get started?
Join thousands of businesses already using Simple to power their operations.
Start your free trial
2.19% flat · No contracts · 14-day trial