I was at that merchant services meetup in Phoenix last month and this older guy named Steve just laid it out plain. He said 'stop hiding your fees in the rates and just charge an honest monthly flat fee plus cost.' I had been doing the old tiered pricing thing for 3 years and thought it was fine. But he showed me his setup where he charges $99 a month flat plus interchange on top and his retention rate is way higher. It hit different because I realized I was losing clients over surprise fees I never explained. Has anyone else tried the flat fee model and seen a real difference in how long clients stick around?