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Now accepting stablecoin payments

Payment infrastructure for

Accept cards, ACH, and crypto with zero processing fees. Drop-in PCI-compliant fields, AI-powered insights, and real-time settlement in one platform.

Trusted by businesses across every industry
Agencies E-commerce SaaS Contractors Healthcare Nonprofits
Typical Processor
  • Weeks to integrate
  • You manage PCI compliance
  • Cards only
  • Locked into a contract
  • Automated support tickets
  • Manual reconciliation
Flux
  • Drop-in fields, live same day
  • We handle PCI end to end
  • Card, ACH & crypto
  • Cancel anytime
  • Real team, real review
  • AI-powered dashboard
SAQ-D · PCI DSS Level 2
Customer
Isolated iframe
Flux
Never your server
Your bank
Card data is captured in origin-isolated iframes — it never touches your servers or domain.

Built for how your business actually gets paid

Whether you're billing a client, running a store, or charging monthly — Flux fits the way you work.

Services

Job done. Get paid in minutes.

You finished the work. The last thing you want is to chase down a check. Send a payment link or invoice in seconds — your client pays from their phone, no account needed.

  • 1
    Send a payment link or invoice — 30 seconds to create a payment link, branded with your logo and company name
  • 2
    Client pays by card, ACH, or crypto — no login, no app, one click
  • 3
    Funds settle to your bank — every transaction tracked live in your dashboard the moment it processes
Get Started
Flux Payment Solutions
sales@fluxpayments.com
Customerjames.will@acme.com
NameJames Will
CurrencyUSD
4,770.00 USD
Website Redesign
Qty 1
4,500.00 USD
Subtotal4,500.00 USD
Tax (6%)270.00 USD
Total4,770.00 USD
Choose Payment Method
CARD
ACH
CRYPTO
CARD NUMBER
1234 1234 1234 1234
EXPIRATION
MM / YY
CVC
123
FIRST NAME
James
LAST NAME
Will
I agree to the Terms, Refund Policy, and Privacy Policy
E-commerce

Every way a customer wants to pay, accepted.

Drop Flux into your checkout in a single afternoon. Card data never touches your server — PCI-compliant hosted fields handle it. Cards, ACH, and crypto all in one integration.

  • 1
    Customer reaches checkout — hosted fields load instantly, fully branded
  • 2
    They pay by card, bank transfer, or crypto — fraud screening runs in real time
  • 3
    Order confirmed, funds on the way — inventory and QuickBooks update automatically
Get Started
Your Store
shop@yourstore.com
Customersarah@email.com
CurrencyUSD
AddressSan Francisco, CA
134.53 USD
Premium Bundle
Qty 1
125.00 USD
Subtotal125.00 USD
Tax (4%)5.00 USD
Total130.00 USD
Choose Payment Method
CARD
ACH
CRYPTO
CARD NUMBER
4242 4242 4242 4242
EXPIRATION
08 / 27
CVC
•••
FIRST NAME
Sarah
LAST NAME
Connor
I agree to the Terms, Refund Policy, and Privacy Policy
Subscriptions & SaaS

Set it up once. Get paid every month.

Recurring billing that runs itself. Automatic retries on failed payments, smart dunning emails, and proration handled automatically — so you focus on the product, not the billing.

  • 1
    Customer subscribes — card saved securely, billing starts immediately
  • 2
    Flux charges automatically — on schedule, every cycle, no action needed
  • 3
    Failed payment? Handled — auto-retry and dunning email sent within minutes
Get Started
Flux Payment Solutions
sales@fluxpayments.com
Customerjames.will@acme.com
PlanPro Monthly
CurrencyUSD
299.00 USD / mo
Pro Plan — Monthly
Renews Apr 1, 2026
275.00 USD
Subtotal275.00 USD
Tax (4%)11.00 USD
Total286.00 USD
Choose Payment Method
CARD
ACH
CRYPTO
CARD NUMBER
•••• •••• •••• 4242
EXPIRATION
12 / 28
STATUS
Active
NEXT CHARGE
Apr 1, 2026
AUTO-RETRY
Enabled
I agree to the Terms, Refund Policy, and Privacy Policy
Enterprise

High volume. Custom needs. We'll build it with you.

Processing significant volume, need a tailored integration, or have compliance requirements that go beyond the standard setup? Our engineering and sales team will work with you directly to build the right solution.

  • 1
    Tell us about your business — volume, use case, any technical or compliance requirements
  • 2
    We scope a solution together — custom rates, dedicated integration support, tailored onboarding
  • 3
    Go live with a setup built for you — not a one-size-fits-all plan
Talk to Sales
What enterprise clients get
Custom interchange-plus pricing
Negotiated rates based on your volume and industry
Dedicated engineering support
Direct access to our team throughout integration and beyond
Compliance & risk consultation
PCI scoping, KYC requirements, and industry-specific guidance
Schedule a Call with Our Team

Everything you need to get paid

Cards, bank transfers, and crypto in one platform. No juggling multiple providers.

Cards, ACH & Crypto

Accept Visa, Mastercard, Amex, Discover, bank transfers via ACH, and stablecoin payments on Solana, Ripple, and Bitcoin — all from a single integration point.

Visa & Mastercard ACH Crypto Stablecoins

AI Tools Trained on Your Data

An AI assistant that knows your business. Ask about revenue trends, customer behavior, and product performance. Get actionable insights and automate workflows from the dashboard.

Daily Insights 16 Reports Chat Interface

Invoicing & Payment Links

Send branded invoices and shareable payment links. Customers pay in one click with no account required. Email verification, shipping capture, and auto invoice generation.

Branded Invoices One-Click Pay No Account Needed

PCI-Compliant Hosted Fields

Origin-isolated iframes keep card data off your servers. PCI DSS Level 2 SAQ-D compliant.

Recurring Billing

Subscriptions with automatic retries, proration, and dunning management built in.

Real-Time Dashboard

Live transaction feeds, WebSocket events, and 16 detailed reports with CSV + PDF exports.

QuickBooks Sync

Automatic two-way sync. Transactions, invoices, fees, and refunds fully reconciled.

Inventory Management

Track stock levels, get low-inventory alerts, and manage your product catalog in one place.

Customer Management

Full customer profiles with transaction history, spend totals, and saved payment methods.

Flux AI
Active

Your AI business advisor

A chatbot trained on your merchant data that actually helps you run your business. Ask anything about revenue, customers, invoices, or products — and get real answers, not generic advice.

  • Chat with an AI that knows your full transaction history
  • Daily, weekly, and monthly insights delivered automatically
  • 16 detailed reports — revenue, tax, refunds, inventory & more
  • Create invoices, support tickets, and workflows from chat

Full REST API. Total control.

Everything in Flux is API-first. Create products, charge cards, manage subscriptions, send invoices, and pull reports — all programmatically. Plus drop-in hosted fields for PCI-compliant card capture.

  • Complete REST API — every feature accessible programmatically
  • Real-time WebSocket events for live transaction updates
  • SDKs for Node.js, Browser, React Native, iOS, and Python
  • PCI-compliant hosted fields with SAQ-D Level 2 certification
  • RSA-OAEP + AES-256-GCM end-to-end encryption
checkout.js index.html
 1// Initialize Flux Hosted Fields
 2const flux = new FluxHostedFields(authToken, publicKey);
 3const elements = flux.elements();
 4
 5// Create and mount each field to your DOM
 6elements.create('cardNumber')
 7  .mount('#card-number');
 8
 9elements.create('cardExpiry')
10  .mount('#card-expiry');
11
12elements.create('cardCvv')
13  .mount('#card-cvv');
14
15// Listen for field events
16elements.create('cardNumber')
17  .on('change', ({ brand, complete }) => {
18    console.log(brand); // "visa", "mastercard", etc.
19  });
20
21// Tokenize — card data never touches your server
22const { cardToken, lastFour, cardBrand, error }
23  = await flux.createToken();

Simple, transparent pricing

No hidden fees. No long-term contracts. Scale as you grow.

Flat Rate
2.9% + 30¢
Simple, predictable pricing. You absorb the processing fee.
  • Predictable per-transaction cost
  • Cards, ACH & crypto
  • Full platform access
  • Volume discounts available
Get Started

Both plans include the full Flux platform. Rates negotiable on volume — contact sales.

Enterprise-grade security

Your data and your customers' data are protected at every layer.

PCI DSS Level 2

SAQ-D compliant. Full PCI DSS validation.

End-to-End Encryption

RSA-4096 + AES-256-GCM on every request.

Tokenization

Short-lived tokens (15 min TTL, max 5 uses).

Fraud Detection

Real-time screening on every transaction.

Common questions

Still have questions? Contact our team — we reply fast.

What is Consumer Pass-Through pricing?
With Consumer Pass-Through, the processing fee is added to the customer's total at checkout — your business keeps 100% of the sale price. We handle the disclosure and checkout UI automatically. Fully compliant in most US states.
Are there any setup fees or monthly fees?
None. No setup fees, no monthly platform fees, no minimums, and no cancellation penalties. You only pay (or pass through) a fee when a transaction processes.
How quickly do funds settle?
Card payments settle within 1–2 business days. ACH transfers settle in 1–3 business days. Crypto payments go directly to your crypto wallet instantly.
Is Flux PCI compliant?
Yes — SAQ-D Level 2 PCI DSS certified. Card data is captured inside origin-isolated iframes hosted on payments.fluxpayments.com and never touches your servers, dramatically reducing your PCI scope and liability.
Can I negotiate rates for higher volume?
Yes. If you're processing significant volume we can offer custom interchange-plus pricing. Reach out to sales and we'll build a proposal around your volume and industry.

Every day you wait is another day
your processor keeps what you earned.

Start accepting payments today

Join businesses using Flux Payments for faster settlement and lower fees.

Stop paying to get paid.