Flatpay targets SMB ecommerce volume

This launch turns Flatpay from a countertop payment vendor into the merchant’s main payments provider across both store and web. The key move is not just lower headline pricing, it is using existing in person relationships to pull online volume onto the same stack, with one payout flow, one back office, and simple plugins for the storefront systems small merchants already use.

• Flatpay already sells an all in one in person setup with terminals, POS software, installation, training, daily payouts, and a merchant portal. Adding online checkout lets the same merchant see store and webshop sales in one place, which makes switching easier than adding a separate online processor on top.
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• The pricing is meant to undercut standard self serve online processing. Flatpay lists 0.99% for EU cards with no monthly fee, while Stripe lists 1.5% plus €0.25 for standard EEA cards, and Adyen uses a fixed processing fee plus a card based fee rather than a simple sub 1% flat rate.
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• The real target is incumbent share inside existing customers, not greenfield enterprise wins. Stripe sells flexibility, many payment methods, and developer tools. PayPal and Zettle sell wallet reach and BNPL. Adyen is stronger higher up market. Flatpay is packaging simpler setup and lower apparent cost for SMB merchants already using its in store system.
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From here, online payments should be the wedge for higher margin software and lending. Once Flatpay handles both checkout and in store card flow, it has cleaner sales data to offer merchant cash advances, analytics, and eventually BNPL at the counter, which pushes it closer to a full commerce operating system for European SMBs.