Card details are typed into Flux's isolated frames and go straight to Flux. Your server only ever sees a single-use token.
When a payment processor flags your account
An algorithm doesn't decide your fate.
Your own merchant account, underwritten by a person, not a row in a shared aggregator book. When something looks unusual, you get a question before you get an action, whenever the choice is ours.
Tue 9:04A commercial order lands. 3x your usual ticket. Nothing is wrong.
Aggregator
Scored by a model.
Daily volume3x usual
Automated risk score
0.12
Flagged: unusual volume
Friday payoutExpected todayHELD
Nobody called. You find out from your bank balance.
Support ticket opened
Upload documents to explain your business
Waiting in the review queue
TUE 9:04A big order lands.
TUEA risk model flags it. The model has never met you.
FRIThe payout isn't there, and nobody called.
AFTERA form and a ticket queue, with payroll still due.
Flux
Known by a person.
Daily volume3x usual
Your normal, already knownWorth a question
Flux underwritingCalling you
This one's bigger than usual. What is it?
New commercial client. Here's the PO.
Your accountCarries on as normalNOTED
The question came before the consequence.
TUE 9:04The same big order.
BEFOREA person underwrote you, so we know your normal.
THENIf we have a question, it comes as a call, not a notification.
AFTERIt's noted. The account carries on.
iAn illustration, not a service-level commitment. Automated scoring can go like the left, though not always. The right is how a review usually runs at Flux.
The honest part
Card networks and acquirers set rules we have to follow, so sometimes we will ask for documents or hold funds. We won't promise that nothing ever happens.
What we do promise is how
A person who knows your account makes the call.
You hear about it early, in plain language.
You can get a human on the phone.
Why a cheaper rate can cost more
Illustrative, on $150,000 a month in card volume
A rate a quarter point cheaper saves you$4,500a year
Repriced as high risk, a 25% rolling reserve held six months ties up$225,000of your own money at a time
One reserve
Each square is a year of those savings. It takes 50 of them to match one six-month reserve.
The good outcomeA reserve. It is still your money, just late.
The bad outcomeA closed account and a MATCH listing, which can keep you from opening a merchant account anywhere for five years. No rate saving covers that.
Rolling reserves and MATCH listings are standard industry mechanics, not claims about any particular provider. Your numbers will differ, so run them in the reserve calculator.
Had a payout held or an account closed?
Tell us what happened. A real person reads every message.
Billing a client, running a store or charging monthly: send a pay link, build it into your own code, or mix the two. Signed webhooks tell your systems when a card payment goes through.
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.
1Send a payment link or invoice30 seconds to create, branded with your logo and company name
2Client pays by cardNo login, no app, one tap
3Funds settle to your bankEvery transaction tracked live in your dashboard
Hi Pat, here's the invoice for your website redesign.
Pay $4,770.00Invoice from Acme Design
ADAcme Design
$4,770.00
Website redesign
4242 4242 4242 4242
Pat Lee12 / 28
Pay $4,770.00
Secured by Flux
Paid$4,770.00 · receipt sent
Webhook
Webhook deliverieslive
POST /webhooks/flux
charge.succeeded$4,770.00200
Card checkout on your own site.
Drop Flux into your checkout in a single afternoon. Card data never touches your server: PCI-compliant hosted fields take the card inside Flux frames on your own checkout page.
Recurring billing that runs itself. Flux charges every renewal on schedule and retries declined payments for you, so you focus on the product, not the billing.
POST /v2/payment-links{"accountEmail": "pat@example.com","firstName": "Pat", "lastName": "Lee","products": [{ "id": 5521, "quantity": 1 }]}// 5521 is the Pro Plan, a SUBSCRIPTION product// billed MONTHLY. Flux runs every renewal.200 OK paymentLinkUrlPay link
Your Pro Plan is ready. Start your subscription here.
Subscribe · $299.00/moSecure checkout
ACAcme Cloud
$299.00 / mo
Pro Plan · billed monthly
4242 4242 4242 4242
Pat Lee12 / 28
Subscribe
Secured by Flux
SubscribedRenews monthly
Webhook
Webhook deliverieslive
POST /webhooks/flux
subscription.createdMONTHLY200
subscription.charge_successrenewal200
subscription.charge_failurewillRetry: true200
subscription.charge_successrecovered: true200
High volume. Custom needs. We'll build it with you.
Processing significant volume, need a tailored integration, or have compliance requirements beyond the standard setup? Our engineering and sales team will work with you directly to build the right solution.
1Tell us about your businessVolume, use case, any technical or compliance requirements
Most payment companies underwrite you into their own book, which is why they publish lists of businesses they will not keep. A few give you your own merchant account instead. That one structural difference decides what happens the day your business stops fitting a template.
How Flux Payments compares with Stripe, Square, Adyen, Helcim, Authorize.net and NMI
Capability
Flux
Stripe
Square
Adyen
Helcim
Authorize.net
NMI
Your own merchant account
yes
aggregator
aggregator
aggregator
aggregator
yes
yes
Serves high-risk verticals
181 industries
restricted list
restricted list
enterprise only
lower risk only
via acquirer
via acquirer
Stablecoin settlement
Solana, XRP
USDC
no
no
no
no
no
Minimum volume to start
none
none
none
1,000 EUR/mo
none
none
via a reseller
Pass-through pricing built in
shipped
you build it
limited
no
no
no
no
Cards, ACH and stablecoins, one integration
all three
all three
partial
cards, local methods
cards, ACH
cards, eCheck
via processors
AI insights on your own payment volume
yes
no
no
no
no
no
no
Hosted fields, PCI DSS SAQ-D Level 2
yes
yes
yes
yes
yes
dated
yes
Scroll the table sideways to see every provider.
Flat rate is 2.9% plus 30 cents, with custom interchange-plus pricing available at higher volume. No setup fees, no minimums, no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. Competitor details reflect each provider's published terms and can change, so check the current terms before you decide.
Flux is a flat 2.9% plus 30 cents per transaction, or interchange plus 1% if you'd rather pay the card networks' actual cost plus a fixed markup. You can also run a cash discount program, so customers who pay by card cover the processing fee. Higher volume merchants can get custom volume pricing, and there are no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
When was Flux Payments founded and where is it based?
Flux Payments was founded in 2023 and is based in Dover, Delaware.
Which stablecoins and networks does Flux support?
Flux accepts stablecoins on the Solana and Ripple (XRP Ledger) networks, covering the leading stablecoins across both networks. Stablecoin payments settle to your wallet instantly.
What is Consumer Pass-Through pricing?
Consumer Pass-Through is a cash discount program, not a surcharge. Your card price includes the processing fee and customers who pay with cash or ACH get a discount, so the fee is not deducted from your payout. We handle the pricing display and disclosure automatically.
Are there any setup fees or monthly fees?
No setup fees, no minimums, and no cancellation penalties. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. Beyond that you only pay (or pass through) a transaction fee when a payment is processed.
How quickly do funds settle?
Card payments settle within 1-2 business days. ACH transfers settle in 1-3 business days. Stablecoin payments go directly to your 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. Interchange Plus at interchange + 1% is a standard plan, and if you're processing significant volume we can offer a custom interchange-plus rate. Reach out to sales and we'll build a proposal around your volume and industry.
What happens if Flux flags something on my account?
A person reviews it, not only a model. Flux underwrites each merchant into their own merchant account, so the review is done by someone who already knows your volume and your business. Where we have the choice, that means we ask you a question before we take an action. Flux still has card network and acquirer obligations and can request documents or hold funds when a rule requires it, but you will be told what is happening and why, and you can get a human on the phone about it.
Why do payment processors freeze merchant accounts?
Many of the best-known payment companies are aggregators: thousands of merchants share one underwriting book, so risk has to be scored automatically. When activity moves outside the model's expected pattern, such as a sudden spike in volume, a larger than usual ticket, a rise in chargebacks, or a product that maps to a restricted category, an automated rule can trigger a reserve, a held payout, or a termination before anyone at the company has looked at the business. Having your own merchant account with a human underwriting relationship is the structural alternative, and it is how Flux is set up: your own merchant account, underwritten and reviewed by a person.
Start accepting payments today
Join businesses using Flux Payments for faster settlement and volume-based pricing.
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