One rate. No second invoice.

You do. Fees are deducted from your settlement, not added to the shopper's total. The amount the shopper sees at checkout is the amount you charged them.

You pay the per-transaction rate when a payment succeeds. Failed and declined attempts are not charged. The rate applies the same way on every surface: hosted checkout, payment links, invoices, subscription renewals, and direct API payments.

Not on its own. Each tier is one flat card rate at any volume: there are no monthly allowances, no volume steps, and no automatic upgrades. Moving to a lower rate means choosing a different tier, which you do from the dashboard.

Developer is $0 per month, forever: you pay only when you get paid. Growth is $399 per month, or $299 per month billed annually. Scale starts at $1,499 per month on a one-year agreement. You can switch between Developer and Growth from the dashboard.

Yes. Sandboxes are free, do not require a card, and never move real money. You only pay the per-transaction rate on successful live payments.

No. Payment links, invoices, subscriptions, hosted checkout, refunds, webhooks, and analytics are all included at your plan's rate, and subscriptions and invoicing carry no additional platform fee. The one metered item is orders paid externally or manually: Developer includes 20 per calendar month, and past that, marking another order paid this way fails until the month resets or you upgrade. There is no overage charge. Growth and Scale are unlimited.

ACH is one all-in rate per tier, with a $1 minimum and $700 maximum per payment: 0.70% on Developer, 0.60% on Growth, and 0.50% on Scale. There is no separate bank fee stacked on top. The minimum applies when the percentage alone would be less than $1, and the maximum applies when it would exceed $700. Instant bank account verification is $1.50, a failed ACH payment is $4, and an ACH dispute is $15.

Manually entered cards add 0.50%, international cards add 1.50%, and currency conversion adds 1.00%. These apply the same way on every tier and are the only surcharges on card payments.

Standard payouts to your bank account are included at every tier. Instant payouts are not offered today; if payout speed will decide this for you, contact sales.

Failed and declined attempts are never charged. A failed ACH payment is $4 and an ACH dispute is $15. Card disputes are passed through at cost, with no markup from Flint. Refunds carry no additional fee, though the processing fee on the original payment is not returned.

Yes. Affirm is 6.99% + 30¢ on Developer, 6.89% + 30¢ on Growth, and 6.79% + 30¢ on Scale. It appears when the merchant enables it and the connected account and transaction are eligible.

When volume justifies a contracted rate, typically around $400,000 a month and up, or when you need a 99.95% SLA, a named technical contact, and incident escalation. Scale is 3.39% + 30¢ from $1,499 per month on a one-year agreement. On card savings alone it covers the step up from Growth at roughly $550k a month.