Accept cards, ACH, and stablecoins in one platform. Drop-in PCI-compliant fields, AI-powered insights, and real-time settlement.
Whether you're billing a client, running a store, or charging monthly, Flux fits the way you work.
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.
Drop Flux into your checkout in a single afternoon. Card data never touches your server. PCI-compliant hosted fields handle it, with cards, ACH, and stablecoins in one integration.
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.
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.
Negotiated rates based on your volume and industry
Direct access to our team throughout integration and beyond
PCI scoping, KYC requirements, and industry-specific guidance
A chatbot trained on your merchant data. Ask anything about revenue, customers, invoices, or products, and get real answers, not generic advice.
From the courtroom to the kitchen, 181 industries run their payments on Flux.
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.
| 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.
A look at how we approach real estate payment processing when the money moves in large, irregular amounts and the paperwork has to match.
Jul 31, 2026FluxPush-to-card moves money to a debit card in seconds. Here is how Visa Direct instant payouts work and where they fit.
Jul 24, 2026FluxBeing labeled high-risk is often about category, not conduct. Here is how we think about high-risk merchant processing.
Jul 17, 2026Still have questions? Contact our team, we reply fast.
Join businesses using Flux Payments for faster settlement and volume-based pricing.