Flatpay is a European payment terminal and POS provider for cafes, restaurants, retailers, and service businesses that offers transparent flat-rate pricing on card payments without hidden fees, monthly minimums, or long-term contracts. Marketed as flat-rate card payment terminals for SMB merchants, Flatpay combines mobile and countertop card terminals with contactless and chip-and-pin acceptance, simple flat-rate pricing across all card types, integrated POS for hospitality and retail, daily settlement, refund and tipping flows, multi-location merchant management, and integrations with major accounting and inventory systems. Flatpay is a strong fit for European cafes and restaurants replacing legacy payment processors, multi-store retailers consolidating terminals, and service businesses tired of complex interchange-plus fee tables.