Flux lets accounting firms take cards for convenience, ACH for larger invoices where the economics are friendlier, and pass the processing fee to the client at checkout where local rules allow.
Why accounting firms choose Flux
ACH for large invoices
Route retainers and big invoices over ACH where the per-transaction economics beat cards.
Pass the fee where allowed
On consumer pass-through, the processing fee is added to the client's total at checkout, where local surcharging rules allow.
Books that reconcile
A QuickBooks sync keeps accounting firms from retyping every payment into the accounting system at month end.
How accounting firms get paid
For accounting firms, ACH usually fits large invoices and retainers, cards suit smaller or on-the-spot payments, and Flux handles both through one integration with a clean record for your books.
A typical Flux setup for accounting firms
The year has two speeds. From January through April, individual returns generate a high volume of mid-sized card payments, usually collected through a payment link sent with the finished return. The rest of the year runs on recurring revenue: monthly bookkeeping, payroll, and advisory retainers charged automatically to a stored card or debited by ACH. Cards settle in 1-2 business days, which matters when tax season concentrates months of revenue into a few weeks.
Business clients on annual engagements tend to pay larger invoices by ACH, settling in 1-3 business days. Because most firms already live in QuickBooks, the sync writes every payment against the right invoice without re-keying, which keeps your own books as clean as the ones you keep for clients. Firms in surcharge-permitted states often apply the consumer pass-through option during tax season, exactly when card volume peaks and margins are stretched thinnest.
What accounting firms should watch
The classic failure mode is filing the return and chasing the fee afterward. A payment link presented before e-filing, or a card collected at engagement and charged at delivery, closes that gap completely. For monthly clients, ACH debit mandates fail less often than stored cards, which expire and get reissued midway through long engagements; use ACH for the recurring base and cards for one-off tax work, and your billing failures drop to nearly nothing.
Disputes are rare but seasonal: a client contests a preparation fee after an unexpected balance due on the return. A signed engagement letter with the fee schedule, plus delivery records for the return, resolves most of these quickly. Also watch scope creep on cleanup work: bill it as a separate project payment rather than folding it into the monthly debit, so the standing recurring authorization stays exactly what the client agreed to.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume accounting firms and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do accounting firms accept payments with Flux?
Accounting Firms accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge accounting firms?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do accounting firms get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
Can we require payment before we release or e-file a return?
Yes. Send the payment link with the draft return and file once the payment authorizes; card funds then settle in 1-2 business days. This is the most common setup during tax season and it eliminates post-filing collections almost entirely.
How does the QuickBooks sync handle our own receivables?
Payments sync to QuickBooks and match to open invoices, so your receivables age accurately without manual entry. Fee detail comes through at the transaction level, which makes your own month-end close as clean as the ones you deliver.
Can monthly bookkeeping and advisory clients be put on autopay?
Yes. Set up a recurring ACH debit or stored-card charge on each client's billing date with written authorization. ACH settles in 1-3 business days and fails less often than cards over multi-year engagements.
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