Fattmerchant Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Low-to-Mid Risk Businesses, small & medium businesses, multi-location businesses, product developers, partners

Specializes in

Processing solutions for businesses in industries such as retail, healthcare & wellness, professional services, field services, and food & beverage

Pricing Summary

Setup Fee: None

Monthly Fee: $99, $199, or other

Swipe Rate: 6¢+ per trans. & direct cost

Keyed-in Rate: 12¢+ per trans. & direct cost

Early Termination Fee : $0

Contract Terms:

No Contract Required
Visit Fattmerchant

Fattmerchant is a Florida-based merchant services company that has been in business for five years. It offers credit card processing solutions to small businesses in many industries, including retail and e-commerce, spa and fitness, food and beverage, and professional services such as healthcare and legal services. It can be used to accept payments at a brick-and-mortar location, on the go and online.

Fattmerchant Overview


Fattmerchant is a merchant services provider that boasts a simple payment processing structure: flat-fee processing, award winning support, and cutting-edge technology.  Fattmerchant’s pricing is unique because it is subscription-based and flat rate. They offer the true cost of interchange (no additional percentage added) while other processors charge an additional, variable percentage. 

Fattmerchant specializes in solutions for low-to-mid-risk businesses using physical terminals, virtual terminals, mobile payments, eCommerce shopping carts, online developer APIs, and their Omni platform. 

Solutions are available for both eCommerce and in person processing environments for retail, healthcare & wellness, professional services, field services, and food & beverage industries.

In addition, Fattmerchant also has a partnership program.


Quick Facts

Head Quarters

Orlando, Florida

Year Founded



Suneera Madhani



Merchant Provider Risk Tolerance

What We Like

Setup fee is zero.

No early termination fee.

No contract required.

Works with businesses with a physical location, online and on the go.

Same day and next day funding options available.

What We Don't Like

Monthly fee assessed.

Accepts low to mid risk businesses.

Works with only United States merchants.

Low volume business not accepted.

Not all terms are disclosed.

Industries Served

  • Accounting & Tax Prep
  • Airlines
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Dating
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Education
  • Educational Seminars
  • Electronics
  • Healthcare
  • Hosting
  • Legal
  • Marketing Agency
  • Medical
  • Personal Service
  • Pharmaceutical
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Smoking Accessories
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Digital Downloads
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support

Fattmerchant Products & Services


Fattmerchant offers credit card processing solutions in the form of virtual terminals, physical terminals, mobile payment processing, eCommerce shopping carts, developer API, and Omni Integrated Payment Platform. Omni is a business analytics platform that gives merchants 24/7 insights into financial reporting, payment solutions, business integrations, etc.  Omni can even be linked with countertop terminals to make them “smart” so the merchant can have access to data they never had before with a basic terminal.

Fattmerchant also has the ability to instantly sync with Quickbooks. Merchants will be able to make changes to customers, invoices, and payments in one system, and it will be reflected in both Omni and Quickbooks’ platforms, thus no need for reconciliation.  

Beyond products and integrations, the basic subscription to Fattmerchant gets you 24/7 customer support, online invoicing, PCI compliance support,and chargeback monitoring.

Fattmerchant Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Check Guarantee
  • Contactless NFC
  • Credit Card Terminals
  • Debit Card Processing
  • EBT Acceptance
  • EMV Processing
  • Gift & Loyalty Program
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Commerce
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Recurring Billing
  • Retail Payment Processing
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Signature Capture
  • Virtual Terminal

Fattmerchant Billing & Invoicing

  • Billing Portal
  • Contact Database
  • Customizable Invoices
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Project Billing
  • Recurring/Subscription Billing
  • Tax Calculator

Fattmerchant Advertising & Sales

Fattmerchant is generally considered to be truthful & ethical in their marketing, advertising & sales practices. They do not employ independent sales agents.

Fattmerchant advertises most of their pricing on their website and claims to make payments effortless and simple. They claim to have no hidden fees: outside of a monthly fee and transaction fees, no additional fees are mentioned on their website. There are some customer complaints about hidden fees, and others about customers not being responded to when they have tried to contact Fattmerchant with an issue. Overall, there are abundantly more positive reviews than negative ones, so it can be assumed that most merchants are satisfied with the rates and fees Fattmerchant offers.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Fattmerchant Pricing, Rates & Fees


Fattmerchant has a subscription based pricing structure. Which subscription package a merchant uses is dependent on their annual processing dollar amount. See below:.

Businesses processing up to $500,000 annually:

  • Starting at $99 per month

  • Swiped rate: 8¢ per transaction & direct cost

  • Keyed-in rate: 15¢ per transaction & direct cost

Businesses processing over $500,000 annually:

  • Starting at $199 per month

  • Swiped rate: 6¢ per transaction & direct cost

  • Keyed-in rate: 12¢ per transaction & direct cost

  • Businesses processing over $5,000,000 annually:

  • Contact Fattmerchant for a custom quote/package

Though it is not directly quoted on Fattmerchant’s website, there will likely be additional fees associated with use of multiple payment solutions at once (having an eCommerce solution in addition to a countertop terminal).  

The subscription-based pricing style allows the cost of processing to be more predictable and stable for merchants, which is a plus. For many merchants, Fattmerchant will be a great deal, offering competitive value and service - especially when you consider the Omni platform capabilities. However, some lower-volume merchants will find that the subscription-based pricing will be more expensive than if they had gone with a more traditional pricing based on their unique volume, so this may not be the best option for those merchants.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

6¢+ per trans. & direct cost

Keyed-in Rate

12¢+ per trans. & direct cost

Mobile Payment Rate

12¢ - 15¢

Virtual Terminal Rate


Monthly Fee

$99, $199, or other

Payment Gateway Fee

Variable depending on which gateway merchant decides to use

Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

No leasing, only buying or qualifying for a free terminal

Address Verification Service (AVS)


Application Fee


Account Setup Fee


Gateway Setup Fee

Variable depending on which gateway merchant decides to use

Annual Fee


Monthly Minimum


Statement Fee


Fattmerchant Contract & Terms

Fattmerchant does not publicly disclose their merchant application or contract terms & conditions. though it is noted that they have no contract length.

Fattmerchant does not have contracts of any length.  In general, it can be said that contract terms can vary depending on the nature of your business.

Do be sure to read the fine print on all applications and contracts to avoid hidden fees.

Contract Length

No Contract Required

Early Termination Fee


Fattmerchant Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Dedicated Account Manager
  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

Fattmerchant Complaints, Ratings & Reviews

Overall, Fattmerchant gets high ratings and reviews from their merchants.  Fattmerchant has hundreds of mostly positive reviews on Facebook (reviews are powered by the Trustpilot website), averaging a score of 4.7 out of 5. Numerous reviewers claim to have very positive experiences with the customer service department with prompt responses to emails/calls. 

However, on other websites and review forums there are several negative comments about Fattmerchant withholding deposits, misrepresenting their services, and charging fees that merchants claim they were not privy to. Due to the fact that there are a number of negative reviews circling around the same few issues, it seems these are not entirely isolated events. Additionally the BBB website reports 9 complaints against Fattmerchant. The BBB has given Fattmerchant an “F” rating based on a complaint filed against the business that was not resolved, and failure to respond to 3 other complaints. 

No outstanding class-action lawsuits or FTC complaints filed against Fattmerchant could be found.



3 / 5




4.7 / 5




Total Online Reviews

70 + 34 + 8 + 2 +32 +18 + 247 = 411

Total Online Complaints




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