Flatpay card reader review 2026: tap to pay fees and rating
Sold exclusively through on-site field sales and advertised with a single flat rate for all card types - the opposite of tiered PSP price lists.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
Flatpay offers Flatpay Tap to Pay for iOS + Android. Transaction fee: from 1.49%; monthly fee: none. Security certification: n/a. Available in: Denmark, Germany, France, Netherlands, UK, Italy, Finland.
Flatpay terms in full
| Product name | Flatpay Tap to Pay |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | Denmark (Copenhagen) |
| Founded | 2022 |
| Platforms | both |
| Certification | n/a |
| Transaction fee | approx. 0.99-1.49% flat rate (secondary source) |
| Monthly fee | 0 EUR to start |
| Setup cost | 0 EUR |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Micro-businesses / SMEs that want a single flat rate |
| Available markets | Denmark, Germany, France, Netherlands, UK, Italy, Finland |
| Website | flatpay.com |
| Data source | Open primary source ↗ |
Alternatives to Flatpay
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- bunq — from 1.50%, Rating 2.2
- Softpay — on request, Rating 2.3
- Hobex — from 0.85%, Rating 2.4
Compare all providers in Europe →
Frequently asked questions
Flatpay tap to pay: do I need any extra hardware?
Not necessarily. Flatpay sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: iOS + Android.
Which countries is Flatpay available in?
By our records: Denmark, Germany, France, Netherlands, UK, Italy, Finland. Availability changes, and the date above the table is when we last checked.