Payment infrastructure for

Accept cards, ACH, and stablecoins in one platform. Drop-in PCI-compliant fields, AI-powered insights, and real-time settlement.

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Trusted by businesses across every industry
E-commerce Healthcare SaaS Agencies Contractors Nonprofits Retail Hospitality
Typical Processor
Flux
Delayed payouts
Same-day settlement
Weeks to go live
Live the same day
Cards only
Card, ACH & stablecoins
Long-term contracts
Cancel anytime
Ticket-only support
Real team, real review
Merchant handles PCI
Full PCI coverage
Customer
Isolated iframe
Flux
Never your server
Your bank
Card data is captured in origin-isolated iframes, it never touches your servers or domain.
What happens when a payment processor flags your account

An algorithm doesn't decide your fate.

Flux gives you your own merchant account and a human underwriting review, instead of underwriting you into a shared aggregator book. So a person who knows your business — not an automated score — has the last word on whether your account is frozen or closed. Where we have the choice, you get a question before you get an action, and you can get a human on the phone about it.

Good. Fast. Cheap. You can have two, never all three. In payments the instinct is to take fast and cheap — and cheap becomes expensive fast. The fraction of a percent you saved stops mattering the morning a payout doesn't land.

How the aggregator model works

Your account, scored by a model.

  1. TUE 9:04
    A good week.

    A commercial order lands. Three times your usual ticket. Nothing is wrong. This is the week you've been working toward.

  2. TUE
    A threshold moves.

    Your account is one row in a risk model. The model has never met you, and at that scale it is unlikely anyone there has either — so there may be no one in a position to vouch for you.

  3. FRI
    You find out from your bank balance.

    The payout isn't there. Nobody called. The first news you get is the consequence.

  4. AFTER
    A form, a ticket number, an upload portal.

    You explain your business in a text box, to a queue, while payroll is Friday.

This is structure, not malice. When thousands of merchants are underwritten into one book, risk has to be automated, because no one's job can be to know your account individually. That structure is what can produce a rolling reserve, a frozen account, a payout held while a review runs, or a card network non-compliance fine — the things merchants describe to us when they arrive.

How this usually goes at Flux

Your account, known by a person.

  1. TUE 9:04
    The same good week.

    Same commercial order. Same three-times-normal ticket.

  2. BEFORE
    Someone here already knows what your normal looks like.

    A person underwrote your account, so the thing that would trip an automated rule somewhere else is the thing we'd pick up the phone about.

  3. THE QUESTION
    When we have a question, it comes as a call, not a notification.

    “This one's bigger than usual — what is it?” You say: new commercial client, here's the PO. That's the whole event.

  4. AFTER
    It's noted. The account carries on.

    You never had to find out the hard way, because the question came before the consequence.

We'll be straight about the limits. Flux has card network and acquirer obligations, and there are situations where we have to ask for documents or hold funds. We are not promising that nothing ever happens. What we can promise is how: a person decides it, that person already knows your account, a question comes before an action wherever we have the choice, you hear it early and in plain language, and you can get a human on the phone about it.

An illustration of how a review usually runs. It is not a service-level commitment.

What the cheaper rate saves you

$4,500 a year

A quarter point off your effective rate, on $150,000 a month in card volume. It arrives a few hundred dollars at a time.

Per month$375
Per year$4,500
Over five years$22,500

What the risk costs when it lands

$225,000 held

A 25% rolling reserve on the same volume, held for six months. Standard terms once an account is repriced as high risk.

Your money, held$225,000
Years of savings to match it50
Payroll, meanwhilestill Friday

You would have to bank the cheaper rate for fifty years to cover one six-month reserve. And a reserve is the good outcome — it is your money, late. The bad one is a closed account and a MATCH listing, which can keep you from getting a merchant account anywhere for five years. That is not a rate you can shop. It is the end of taking cards.

Illustrative, on $150,000 a month. Rolling reserves and MATCH listings are standard mechanics across the industry, not claims about any particular provider. Your numbers will be your own.

We are a small team, and that is the point: we know your account. When something looks unusual the question comes from a person who has seen your volume before, not from a model that never has.

If you've had a payout held or an account closed on you, we'd like to hear about it.

Talk to a person See how the two structures differ ↓

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.

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 card, ACH, or stablecoinsNo login, no app, one click
  • 3Funds settle to your bankEvery transaction tracked live in your dashboard
Get Started
Flux Flux Payment Solutions
$4,770.00 USD
Website Redesign
1234 1234 1234 1234 MM / YY  CVC
Routing021000021
Account•••• 4892
7xKX...mQ9f Wallet
Powered by Flux

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, with cards, ACH, and stablecoins in one integration.

  • 1Customer reaches checkoutHosted fields load instantly, fully branded
  • 2They pay by card, bank transfer, or stablecoinsFraud screening runs in real time
  • 3Order confirmed, funds on the wayInventory and QuickBooks update automatically
Get Started
Flux Your Store
$130.00 USD
Premium Bundle
4242 4242 4242 4242 MM / YY  CVC
Routing021000021
Account•••• 4892
7xKX...mQ9f Wallet
Powered by Flux

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.

  • 1Customer subscribesCard saved securely, billing starts immediately
  • 2Flux charges automaticallyOn schedule, every cycle, no action needed
  • 3Failed payment? HandledAuto-retry and dunning email sent within minutes
Get Started
Flux Flux Payment Solutions
$299.00 USD / mo
Pro Plan · Renews Apr 1, 2026
•••• •••• •••• 4242 12 / 28
Routing021000021
Account•••• 4892
7xKX...mQ9f Wallet
Powered by Flux

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
  • 2We scope a solution togetherCustom rates, dedicated integration support, tailored onboarding
  • 3Go live with a setup built for youNot 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

Your AI business advisor

A chatbot trained on your merchant data. 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, and more
  • Create invoices, support tickets, and workflows from chat

Built for how your industry gets paid

From the courtroom to the kitchen, 181 industries run their payments on Flux.

Law FirmsRestaurantsOnline StoresReal EstateDental PracticesHVAC CompaniesGymsNonprofitsSaaS CompaniesAuto RepairTravel AgenciesWholesalers
Explore all 181 industries

How Flux compares

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
CapabilityFluxStripeSquareAdyenHelcimAuthorize.netNMI
Your own merchant accountyesaggregatoraggregatoraggregatoraggregatoryesyes
Serves high-risk verticals181 industriesrestricted listrestricted listenterprise onlylower risk onlyvia acquirervia acquirer
Stablecoin settlementSolana, XRPUSDCnonononono
Minimum volume to startnonenonenone1,000 EUR/mononenonevia a reseller
Pass-through pricing built inshippedyou build itlimitednononono
Cards, ACH and stablecoins, one integrationall threeall threepartialcards, local methodscards, ACHcards, eCheckvia processors
AI insights on your own payment volumeyesnononononono
Hosted fields, PCI DSS SAQ-D Level 2yesyesyesyesyesdatedyes

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.

Payments, explained

Flux

How we simplified payments for a real estate brokerage

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, 2026Flux

Instant payouts with Visa Direct: how merchants get paid in seconds

Push-to-card moves money to a debit card in seconds. Here is how Visa Direct instant payouts work and where they fit.

Jul 24, 2026Flux

How Flux handles high-risk merchants others turn away

Being labeled high-risk is often about category, not conduct. Here is how we think about high-risk merchant processing.

Jul 17, 2026
Explore resources

Common questions

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

How much does Flux Payments cost?

Flux is a flat 2.9% plus 30 cents per transaction. You can also pass the processing fee to your customer at checkout where local rules allow. 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?

With Consumer Pass-Through, the processing fee is added to the customer's total at checkout, the processing fee is not deducted from your payout. We handle the disclosure and checkout UI automatically. Fully compliant in most US states.

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. 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.

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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