Fattmerchant Review

Reviewed by: Derek Cromwell


Bottom Line

Fattmerchant is one of few select merchant service providers built on a subscription based model rather than percentage fees, making them an ideal choice for small businesses who want to accept credit cards without being hit with variable fees each month. It also is the only payment technology company providing omni channel technology, allowing business owners to gain better insight into their business no matter how they accept payments.

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Fattmerchant Highlights

  • Monthly rates instead of percentage fees per transaction
  • Next day funding
  • 24/7 customer support
  • Robust analytics
  • Omni-channel technology
  • Works mainly with tier 1 low risk merchants


  • Online payments 
  • POS terminal solutions
  • Solutions for every business type
  • No statement fees
  • Free equipment options
  • Robust analytics


  • Per transaction fees apply

Fattmerchant CCP Review

Signing Up With Fattmerchant

Fattmerchant has a lot of things going for it that we’ll get into coming up, but one of the first things to cover is the signup process. It’s one of the only times a merchant service has given you the ability to sign up without actually talking to a representative on the phone.
The entire onboarding process can be handled directly through the website. It makes it easier than ever to get a merchant account established, and if you have any questions during the sign up process there is always a person ready to answer the phone to walk you through any questions you might have or to help you fill out the application. 
The subscription model is what makes this easy as there are no contract fees or setup costs other than the subscription fee. You also don’t really need any equipment to get started if you already have terminals or you’re dealing with an online gateway.
If you have existing equipment it can be easily reprogrammed to handle processing through Fattmerchant.
All you need to know going into the signup process is which monthly plan you want to subscribe to. Once you submit your business information online the approval is quick and you will be able to get up and running within days.


While Fattmerchant doesn’t make a huge profit off transactions compared to other providers who charge a percentage fee for each transaction, they’re still able to provide a wealth of features and services with their plans.

This includes:

  • No matter how you process payments, all Fattmerchant members have access to the Fattmerchant Platform. This omni-channel platform allows business owners to view and export transactions or batch reports from all of their locations through one login – something that has never been seen in our industry. Our platform also provides robust analytics and customer insights allowing business owners to gain a deeper understanding of their business and make powerful decisions that will take their business to the next level.
  • Fattmerchant virtual terminal, which is part of a full online payment hub that includes reporting, analytics, card processing, pre-authorizations, and even ACH (Automated Clearing House) handling
  • Online reporting and analytics compatible with QuickBooks
  • EMV-compliant hardware
  • Terminal reprogramming
  • Authorize.net partnership for online shopping
  • POS terminal solutions
  • Next day funding

They’re also compatible with a number of services including:

  • Ingencio
  • Verifone
  • Future POS
  • Aloha
  • Micros
  • Lightspeed
  • NCR
  • Radiant Systems
  • Shopkeep​
  • And 100's more
Fattmerchant also offers a proprietary virtual terminal with tons of industry-specific features for lawyers, marketing agencies, and other verticals. 

Customer Support

While many companies rely on traditional methods for customer support, Fattmerchant has put in a great deal of effort to create a 1-on-1 connection with their audience via social media. You can find a great deal of useful content on their social channels, including Facebook and Twitter.

If you have a quick question, their team is quick to answer on social media.
They still offer the tried and true methods for contact, including live chat online during normal business hours, 24/7 support via phone, as well as an online contact form. Fill that out and a representative can get back in touch with you quickly regarding your request. There is also always a real human ready to answer the phone if you ever need immediate support.

Fattmerchant CCP

Rates & Fees  

This is the area where Fattmerchant is making fat waves in the industry and getting a lot of attention. They’re one of the few merchant services offering a percentage-free, flat rate monthly pricing model. One of the reasons this is so rare is because the merchant makes the same per-transaction profit regardless of the size of the sale.

That means you’re not being charged a percentage of the transaction. Ever.

Fattmerchant breaks their subscription service down into 2 plans:

  • Entry Subscription – $99/mo for any processing solution. Terminals and integrations have a $0.08 per transaction fee. Online shopping carts, virtual terminals, mobile, and API solutions have a $0.15 per transaction fee.

  • Enterprise Subscription - Starting at $199/mo for any processing solution. Terminals and integrations have a $0.05 per transaction fee.  Online shopping carts, virtual terminals, mobile, and API solutions have a $0.10 per transaction fee.


For each of the plans there are additional savings to be had which include

  • No statement fees
  • No annual fees
  • No PCI compliance fees
  • No batch fees

Each plan does also feature interchange fees, although these are notoriously complex Fattmerchant’s Payment Consultants are happy to walk through them with you. 

It is also good to note that businesses with a profit volume of $7K or more are prime candidates for big savings with Fattmerchant's subscription model.

Processing Options

Fattmerchant offers a wide selection of processing options that fit not only the different ways you do business, but also the various ways your customers may want to do business with you and how they find you.
Processing options include online payment through a virtual gateway (you can run the cards from any device with internet access), mobile payments, online payment integration for ecommerce (through authorize.net), and POS integration with smart terminals, or through standard EMV ready/compliant card swipe stations.
You can also bring previous equipment you own and have it reprogrammed to accept payments through Fattmerchant.

Accepted Payment Types

Fattmerchant allows you to accept payment from all major credit and debit card types including Visa, MasterCard, Discover, and American Express. In addition to traditional card processing, you’ll be able to process ACH and e-check transactions using the virtual terminal.
Fattmerchant can also integrate with any rewards programs you may utilize to make it easier to market to your customers with referral rewards or loyalty programs. 


The approach Fattmerchant takes to pricing is an area that more companies would do well to pay attention to. It’s a savvy model for small businesses who want to save on overhead costs and gain powerful insights into their business but don’t want to pay extra fees for processing credit cards. For any small business or startup that wants to save big on credit card processing or work with a payment processor that truly has their members best interest in mind, Fattmerchant is one of the smartest choices. It’s also highly scalable, so you’re not likely to require moving to another processor even after growth and expansion.

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