11-16-2007, 08:26 PM
Is there a payment gateway in USA that charges a flat fee on every transaction rather than percentage or any gatway which takes montly with no percentage !!
11-19-2007, 05:37 PM
I think you're confusing two issues: gateway and merchant service provider (MSP). Most gateways do charge either a flat fee per transaction or per month, the latter usually having a volume restriction. MSP's, on the other hand, almost always charge based on a percentage because that is how the entire credit card network is structured from the top (VISA, Mastercard, AMEX, etc.). You might find an MSP that will quote you a flat rate (I don't know of any), but if they do, you will be paying higher than the "normal" discount rate (the percentage rate you were referring to) would have been and there would be many restrictions on transaction volume and dollar amount.
Now the part that might have caused the confusion of the two issues is that some gateways also act as MSP's and some MSP's have home grown gateway capabilities.
If I'm overthinking your question and you are really looking for a gateway that charges fixed fees, then the answer is yes -- most, if not all gateways charge fixed fees as opposed to percentages. If my assumption is correct and you are referring to the credit card discount rate, you may want to repost your question or Google for MSP's that will offer a flat fee. Good luck on the latter and I would be interested in the details if you find anyone.
Hope this helps.