singular payments is an independent sales organization (iso) that was founded in late 2008 by charles yancey, a veteran of the payment processing industry. singular payments business model is to "change the payments industry", through the introduction of a revolutionary 'one flat rate' program, affording clients the ability to "fix" their costs associated with accepting credit cards as a form of payment, and furthermore, dramatically simplifies the process of reading, understanding and reconciling monthly merchant account statements. in order to maximize the benefits of a flat rate program, the company targets key market verticals where there are higher monthly processing volumes, higher than normal average tickets and significantly enhanced customer retention rates. those verticals include, but are not limited to, utilities, towns, municipalities, dentists, dental labs, veterinary practices & hospitals, pet boarding facilities, service companies, marinas, automobile & powersport dea