Inside Sales · May 2026

Inside Sales commission scheme

Annual OTE
Minimum guarantee
Per month

What are your targets?

Sales targets

SalesM1M2M3M4+
Total10142228
Terminal9121822
All POS1246

Installation targets

InstallationsM1M2M3M4+
Total111722
Terminal91417
All POS235

What is your commission made up of?

Your commission comprises three components:

1

The matrix commission payment

POS, MPOS and Terminals share one commission matrix.

The matrix rewards you for selling at a higher rate and higher TPV. Even a small increase in rate can lead to much more commission, so remember to negotiate.

POS rate floor (0.99%) Terminal rate floor (0.39%) No statement sale (1.55%)

Every 0.05% rate step pays - no dead zones. The right-most column shows the marginal £ for each additional £100k of TPV at that rate.

2

POS-specific commission

A

Install volume bonus

POS volume ladder counts for all POS types: Premium, Pro and MPOS.

A tiered ladder rewarding multiple POS installs in a single month, paying out more per install at higher tiers.

POS installs / monthBonus
B

Upfront bonus

POS upfront bonus

15% of the upfront paid for any POS deal at £500 or above.

Upfront paidBonus
Below £500Cannot sell
£500 or above15% of upfront

MPOS upfront bonus

15% of the upfront paid for any MPOS deal at £250 or above.

Upfront paidBonus
Below £250Cannot sell
£250 or above15% of upfront

Note: For a bundle, the upfront commission is 15% of the full bundle price collected. The upfront floor for a bundle is determined by adding up the minimums for each device in the bundle (POS min £500 + MPOS min £250). If the total upfront collected is below that floor, the deal cannot be sold.

3

Additional bonuses

A

OG bonus

£100 per install completed for a referral you have acquired yourself.

For this bonus to apply, the lead must not exist on any of our existing lead lists.

B

AMEX rate bonus

You can sell AMEX at four different rates. The bonus per deal depends on the rate sold — higher rates earn more.

AMEX rate soldBonus
3.89%+£20 / deal
2.99%+£10 / deal
2.49%+£5 / deal
1.99%

The rules

How and when commission gets paid, what counts as churn, and how TPV declarations are reviewed.

How and when will my commission be paid

1a

Payout schedule

Half on install, half on TPV reached

50% of your matrix commission lands when the customer activates — defined as 0.5% of their declared annual TPV running through the terminal (roughly one working day of their expected volume).

The other 50% lands when the customer reaches their declared TPV across any 30 day rolling period, within 6 months of installation.

The rolling 30 day period means we look at any 30 day period, recalculated every day - 5 Sep to 5 Oct, then 6 Sep to 6 Oct, and so on. The moment a rolling window clears the monthly target, the rest of your commission accrues in that month.

Because the window is 30 days long, the upside always takes at least a full 30 days to land.

Both halves are paid the month after the commission has accrued, as we pay in arrears.

Example
You install a customer in mid-May at 1.04% on £200k declared annual TPV — a £582 matrix commission, paid as two halves of £291.

First half (£291) — on activation: the threshold is 0.5% × £200k = £1,000 of processed volume. They cross it by late May, so £291 lands on the June payday.

Second half (£291) — on TPV reached: their 30-day target is £200k ÷ 12 ≈ £17k. They hit it across 30 consecutive days in early August, so the final £291 lands on the September payday.
💡 Tip: Take about 20% off whatever TPV the merchant tells you — or multiply their monthly TPV by 10 instead of 12 — so you can be sure they'll hit it! If they do, you unlock your full commission.
💡 Tip: Track your merchants in the Portfolio tab of the CRM once they're installed to see who's pacing their 30-day TPV window — and note the customer name you populate into CRM so you can find them again.

Note: Sales made prior to October were paid according to the Quarterly Bonus Regulation structure. For the agents whom this impacts, the recalculation in your commission is meant to hit in October (sales made Apr-Jun) and January (sales made Jul-Sep). We will notify you of this beforehand and communicate the impact separately.

1b

Note on no statement sale

A no statement sale will earn you £50 on install. When the merchant hits their expected monthly TPV, the remainder of the matrix commission payment will be paid.

Example · Terminal · no statement
Rate 1.55% · expected yearly TPV £100k · full matrix commission £582
£50 on install · +£532 once their rolling 30 day TPV hits £8.3k
2

AMEX bonus

Paid when the customer starts taking AMEX

The AMEX bonus is paid when the customer processes at least £123 of AMEX TPV in the first month they actually take AMEX.

If the customer's AMEX rate is later reduced or removed, the AMEX bonus is reversed.

When does my commission get reversed?

A customer is treated as churn if either of these things happens:

  1. The customer cancels their agreement with Flatpay within the first 6 months of installation, or
  2. The customer barely uses the device - actual TPV across the first 3 months is less than 15% of what they declared (seasonal businesses are excluded from this test)
Worked example
You sell a customer with £200,000 declared annual TPV. Over the first 3 months we'd expect them to do roughly £50,000. If they actually do less than £7,500 across those 3 months, the customer is treated as churn (TPV deviation) - unless they're a flagged seasonal business. Separately, if they cancel altogether within 6 months of installation, that's also churn (cancellation).

When a churn is registered, any commission already paid out on that customer is reversed. This includes the matrix payment (the 50% already paid) as well as various bonuses (AMEX, OG and POS upfront). The clawback comes out of your variable pay in the month the churn lands.

Pay examples

Three scenarios at the budgeted rate and TPV.

Assumptions used in every example

Figures are rounded to the nearest £5 for readability. Each scenario is a full run-rate month: every merchant hits their expected TPV, so each sale pays its full matrix commission.

Terminal installations
Avg rate
0.80%
Median TPV
£36k
All POS
Avg rate
0.99%
Median TPV
£48k
Avg upfront
£550
Bonus mix (share of all sales)
AMEX 3.89%
50%
OG bonus
8%
01

The three scenarios

Each scenario is a full run-rate month at the budgeted rate and TPV. Every line below adds up to the monthly total.

On budget
17 Terminal · 5 POS installs
≈ £55,680 / year
£4,640
The M4+ install target. 5 POS installs reach the £2,000 step of the volume ladder.
Terminal
17
POS
5
1Matrix commission
Terminal matrix · 17 × £71 (0.80% × £36k)£1,207
POS matrix · 5 × £140 (0.99% × £48k)£700
2POS-specific commission
POS upfront · 5 × 15% × £550£413
Volume bonus · 5 POS installs£2,000
3Additional bonuses
AMEX 3.89% · 11 × £20£220
OG bonus · 1 × £100£100
Monthly gross commission£4,640
High performer
25 Terminal · 8 POS installs
≈ £82,740 / year
£6,895
8 POS installs reach the £2,800 step of the volume ladder; every install above 12 adds £300.
Terminal
25
POS
8
1Matrix commission
Terminal matrix · 25 × £71 (0.80% × £36k)£1,775
POS matrix · 8 × £140 (0.99% × £48k)£1,120
2POS-specific commission
POS upfront · 8 × 15% × £550£660
Volume bonus · 8 POS installs£2,800
3Additional bonuses
AMEX 3.89% · 17 × £20£340
OG bonus · 2 × £100£200
Monthly gross commission£6,895
Low performer
13 Terminal · 1 POS install
≈ £16,632 / year
£1,386
Only 1 POS install, so the volume ladder (which needs 2+) pays nothing. This lands below the £2,120 monthly guarantee.
Terminal
13
POS
1
1Matrix commission
Terminal matrix · 13 × £71 (0.80% × £36k)£923
POS matrix · 1 × £140 (0.99% × £48k)£140
2POS-specific commission
POS upfront · 1 × 15% × £550£83
Volume bonus · 1 POS install (needs 2+ to pay)£0
3Additional bonuses
AMEX 3.89% · 7 × £20£140
OG bonus · 1 × £100£100
Monthly gross commission£1,386
Topped up to the monthly guarantee£2,120

Because commission (£1,386) is below the £2,120 guarantee, you are topped up to £2,120 for the month.

Slide to play with your numbers
Gross monthly salary
£0
Annual £0 vs OTE 0%
01

Pick a scenario, then tweak

02

Volume & mix

Terminal installations
17
030
POS installs
5
020
TPV 30-day target
% of portfolio reaching 30-day TPV target
100%
0%100%
03

Pricing & rates

Terminal assumptions
Avg Terminal rate
0.80%
0.39%1.69%
Median Terminal TPV
£36k
£20k£500k
Blended POS assumptions
Avg blended rate
0.99%
0.99%1.69%
Blended median TPV
£48k
£20k£500k
Avg blended upfront collected
£550
£250£2,495
04

Additional bonuses

OG bonus share
% of all sales to referrals you acquired (£100 each)
5%
0%100%
AMEX 3.89% share
% of all sales at 3.89% (£20 each)
50%
0%100%
05

Your monthly breakdown

⚠ Rate is below the hard floor - needs RM approval.

Estimate only. Matrix commission is paid 50% on activation and 50% when the merchant reaches their declared TPV across a rolling 30-day window (within 6 months of installation).