Flatpay Reviews 

2,446
TrustScore 4.5 out of 5

4.4

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Rated 5 out of 5 stars

I had a great experience with Flat Pay from start to finish. My sales advisor, Kasiel Chiodo, was attentive, professional, and made the whole process straightforward. He took the time to explain eve... See more

Company replied

Rated 5 out of 5 stars

I had a really positive experience with Flatpay. The whole process was smooth and straightforward, and everything worked exactly as promised. A special thanks to the area sales manager, who took... See more

Company replied

Rated 2 out of 5 stars

Made an enquiry online. Told me they couldn’t arrange a salesperson visit as my business is also at my home. I said to forget about it and not to worry. Since then they’ve called back saying they coul... See more

Company replied

Rated 5 out of 5 stars

We recently applied to Flat Pay for a card terminal for our business. The service received from Sebastian was first class from beginning to end. Got us set up very quickly and delivered new terminals... See more

Company replied

Company details

  1. Card Processing Service
  2. Eftpos Equipment Supplier
  3. Money Transfer Service

About Flatpay

Written by the company

Flatpay Logo
POS and payment solutions with no surprices

POS and payment solutions with full transparency, a flat low rate on all cards, no surprises and round the clock customer service. Mind your business and we'll take care of the rest.

Get a quote

About Flatpay

Established in 2022 in Copenhagen with a commitment to transparency, we've streamlined card payments to small and medium-sized businesses. Our innovative pricing model eliminates hidden costs and fees, offering a simple flat rate for all cards with no monthly subscription for our point-of-sale and payment solutions.

Operating in Denmark, Finland, Germany, Italy, France, the United Kingdom, and the Netherlands, we are more than just a service provider; we are your trusted business partner.

Flat rate on all cards. Our single flat rate for all cards simplifies payment processing and keeps costs low. Daily settlements. Access your funds faster with daily settlements, a key benefit of our payment solutions We're always here for you. 24/7 customer service ensures your payment processing runs smoothly, always.


Contact info

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Trusted by over 30,000 customers across Europe.

4.4

Excellent

TrustScore 4.5 out of 5

2K reviews

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No recent history of asking for reviews

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Replied to 60% of negative reviews

Typically takes over 1 month to reply

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4.4

All reviews

(2,446)

1,057 reviews in the last 12 months

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Rated 2 out of 5 stars

Poor initial experience.

Made an enquiry online. Told me they couldn’t arrange a salesperson visit as my business is also at my home. I said to forget about it and not to worry. Since then they’ve called back saying they could visit and Mande a mistake, but I’d already arranged for another company by this time. They have then bombarded me since with phone calls which I’ve had to block. Not a great experience.

July 21, 2026
Unprompted review
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Reply from Flatpay

Hi Richard, we're sorry to hear about your experience regarding the confusion around the initial visit and the calls that followed. That shouldn't have happened. We've noted your feedback and will discuss this internally. All the best with your new provider.

Team Flatpay

Rated 1 out of 5 stars

Worst experience with in few weeks…

Worst experience with in few weeks time. The machine is very poor quality slow services extremely poor charging.
STEALING money. I just randomly checked the statement and they are stealing money and I have been told they will only refund if I stay with them. Any suggestions where I can report them for stealing my money

July 16, 2026
Unprompted review
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Reply from Flatpay

Hi Srishti, thank you for sharing this. What you're describing is something we take seriously and want to investigate properly. Please contact us directly at +44 20 8028 9990 explaining your experience, since our terminals should always work properly! We want to make sure your issues are resolved!

Team Flatpay

Rated 1 out of 5 stars

Big time fraud

Big time fraud , try to avoid

July 17, 2026
Unprompted review
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Reply from Flatpay

Hi! We take this kind of reviews seriously and would genuinely like to understand what happend. Please reach out to us on +44 20 8028 9990 explaining your situation. We want to make sure your experience is properly looked into.

Team Flatpay

Rated 1 out of 5 stars

Never trust a company who cold call.

I would never trust a company who cold call and don't check the TPS.

July 14, 2026
Unprompted review
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Reply from Flatpay

Hi Drew, we're sorry to hear you feel this way. If we missed your TPS registration, that's a failure on our part. We've noted this and if you'd like to confirm your number is suppressed going forward, please reach out at +44 20 8028 9990.

Team Flatpay

Rated 1 out of 5 stars

Keeping £10,000 for 6 months is a joke

My business is close to Wimbledon Tennis, sales increases for 2 weeks and they suspected fraudulent activity. They didn’t give me a chance to explain and closed my account (which I have no problem with). They now have over £10,000 with them and are refusing to pay out for 6 MONTHS because they might have chargebacks???!!! They are the worst company I have ever dealt with. I have never experienced this with any card provider, they lure you in with cheap rates and keep your funds. Nothing less than scammers if you ask me. I hope no one else makes the same mistake I did, use any other card machine provider BUT THEM!

July 8, 2026
Unprompted review
Rated 5 out of 5 stars

Amazing Customer Service

I had a great experience with Flat Pay from start to finish. My sales advisor, Kasiel Chiodo, was attentive, professional, and made the whole process straightforward. He took the time to explain every step clearly, answered all of my questions, and made sure I felt confident throughout.

Look forward to a long partnership with Kasiel and Flatpay

July 3, 2026
Unprompted review
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Reply from Flatpay

Thank you for your kind words! We're happy to hear Kasiel made the process smooth and straightforward. We look forward to a long and successful partnership :-)

Rated 3 out of 5 stars

Great payment terminal service, but

Great payment terminal service, but I would encourage Flatpay to review their recommendation of Revolut Business for small Danish merchants. In my case, daily payouts to a Revolut LT IBAN triggered additional international transfer fees that were not obvious when I set up the account. Approx 250 kr pr week. I hope Flatpay and Revolut can work together on a better solution, as I suspect other small merchants may run into the same issue.

July 5, 2026
Unprompted review
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Reply from Flatpay

Thanks for your feedback and for bringing this to our attention. We appreciate you sharing your experience, and we'll make sure your comments are passed on to the relevant team for review :-)

Rated 1 out of 5 stars

Funds Withheld and Extremely Poor Communication

Our experience with Flatpay has been extremely disappointing.

After just four days of trading, our merchant account was terminated following a decision by their banking provider. While I appreciate that payment providers sometimes have to make commercial decisions, what is completely unacceptable is how Flatpay has handled the situation afterwards.

They are currently withholding a significant amount of our money, and despite almost two weeks of repeated phone calls and emails, we have received no meaningful update. Each time we speak to them, we are simply told that they are waiting to hear back from their banking provider, Shift4 Payments.

It is very difficult to understand how a company can go this long without being able to obtain an update from its own banking partner. We have repeatedly asked for the exact reason our account was terminated, the legal basis for withholding our funds, and a clear timeframe for when our money will be released. To date, we have received no satisfactory answers.

The lack of transparency and communication has left us with no option but to begin legal proceedings to recover the funds owed to us.

If you’re considering using Flatpay, I would strongly recommend asking them exactly what happens if your account is terminated and how your funds will be handled. Based on our experience, I would not recommend their service.

June 29, 2026
Unprompted review
Rated 1 out of 5 stars

Misold their product even though I…

Misold their product even though I clearly explained how our business works. Called and explained this and sent an email. Was sent the details to return the terminals then a month later sent an invoice for over 3k!! Off to the ombudsman we go and trading standards

June 2, 2026
Unprompted review
Rated 3 out of 5 stars

Company changes the surcharge rates so…

Company changes the surcharge rates so that it is stealing from customers. Is not a good review for my own company.. asked to change it, and they put it back again

June 19, 2026
Unprompted review
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Reply from Flatpay

We'd like to look into your specific case and understand what happened. Please reach out to our support team with your business details, and we'll be happy to investigate.

Rated 1 out of 5 stars

Fake Ads - be careful with your data!!

Fake Ads. They promised to let me know the amount I would save, after inserting all my private data. And once they got all my info there was no information about the amount to save but only a message saying they would contact me... So basically they stole my data with a false promise. It cannot be trusted.

June 17, 2026
Unprompted review
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Reply from Flatpay

Hi Bob, thank you for sharing this. We understand your concern. Please feel free to reach out to us at +44 20 8028 9990 or info@flatpay.uk and we'll make sure your query is handled properly, including any questions you have about your data.

Team Flatpay

Rated 5 out of 5 stars

Sebastian from the team was very very…

Sebastian from the team was very very helpful and made changing to the new system an easy and seamless experience. he was very informative and took his time to explain in detail. overall 10/10 experience!!

June 11, 2026
Unprompted review
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Reply from Flatpay

Hi Sophia! We're glad to hear that everything went smoothly. And thank you for highlighting Sebastian as well, we’ll be sure to pass on your kind feedback. We’re glad he could provide professional support, and we’re always here if you need anything further.

Rated 1 out of 5 stars

Not recommendation

May 1, 2026
Unprompted review
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Reply from Flatpay

Hi Sasha, Thank you for leaving a review. We're sorry to hear you wouldn't recommend us. We'd like to understand why. If you're open to sharing more, please reach out to us at +49 30 30809922 or info@flatpay.de and we'll do our best to help.

Rated 5 out of 5 stars

Can’t wait to use our device it’s…

Can’t wait to use our device it’s something customers having been asking us for.
The team - especially Seb has made the whole process seamless and very easy to use.

Well done team - wish we’d signed up soon!

June 9, 2026
Unprompted review
Flatpay logo

Reply from Flatpay

Hi Lea,

These are the reviews we're so happy to receive. We're glad to hear Seb made sure the whole setup went smoothly and got you ready to take payments straight away! We'll make sure to share your words with him. We wish you all the best with your new setup from Flatpay, and we're always here to help.

Team Flatpay

Rated 1 out of 5 stars

23 kr add on just to pay my bill at the…

23 kr add on just to pay my bill at the restaurant after a meeting using my company card! Guys, this is just straight up robbery, and I will not recommend any businesses to use Flaypay as they are just stealing money from clients just using their cards..

June 7, 2026
Unprompted review
Rated 5 out of 5 stars

Great service

Great service, explained everything in detail very friendly chap

June 2, 2026
Unprompted review
Flatpay logo

Reply from Flatpay

Hi Roberto, thank you for your 5-star review! We're really glad you're happy with Flatpay!

Team Flatpay

Rated 1 out of 5 stars

Time Waste

Time Waste
bad experience
not reccomended

May 21, 2026
Unprompted review
Flatpay logo

Reply from Flatpay

Hi! We're sorry to hear your experience didn't meet your expectations. Please feel free to reach out to us directly on +44 20 8028 9990 or info@flatpay.uk. We'd like to learn more about your experience, since we're always looking for ways to improve.

Team Flatpay

Rated 1 out of 5 stars

clandestine operations from this company!

Flatpay are nuisance callers! They keep cold calling my business, after I keep asking them not to. They also use "Caller ID spoofing," a tactic where they purposefully disguise their true identity by hijacking legitimate looking mobile or local numbers. This tricks people into answering because the incoming call looks familiar or important.

Theyneed to stop doing this, because at the end of the day it just leads very bad reviews!

May 25, 2026
Unprompted review
Flatpay logo

Reply from Flatpay

Hi!

We're sorry to hear about your experience. We take both points seriously. We'll make sure to not let this happen again.

The continued calls should not happen, and if it did, that's a failure on our part. If numbers were used to contact you that appeared local or unfamiliar, we'd like to know which ones. That information would help us understand what happened. Please reach out to us on +44 20 8028 9990 or info@flatpay.uk with any details you can share. We'll look into both issues.

Thank you.

Team Flatpay

Rated 5 out of 5 stars

James did a great job

James did a great job. The machine works great!

May 28, 2026
Unprompted review
Flatpay logo

Reply from Flatpay

Hi! We're glad to hear that everything was handled just as expected. And a big thank you for highlighting James as well, we’ll be sure to pass on your kind feedback. We’re glad he could provide professional support, and we’re always here if you need anything further.

Team Flatpay

Rated 5 out of 5 stars

Great service from Magnus

Magnus M. was really good at explaining the product. Super professional, patient and friendly.

May 25, 2026
Unprompted review
Flatpay logo

Reply from Flatpay

Hi Sandra, thank you for your review. We're happy to hear Magnus provided you with the best help and got you all up and running with Flatpay. If you ever need support, we're here to help you 24/7. And we'll make sure to share your words with Magnus.

Team Flatpay

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