Flux gives apparel brands one integration for cards, ACH, and stablecoins, with drop-in hosted fields that keep card data off your servers and a checkout customers actually trust.
Why apparel brands choose Flux
Same-day and next-day settlement
Card payments settle in one to two business days, so cash is not stuck for a week while you restock.
Hosted fields, less PCI to worry about
Card data is captured in origin-isolated iframes on payments.fluxpayments.com, so it never touches your store.
Volume discounts as you scale
Higher-volume apparel brands can move to custom interchange-plus pricing as monthly volume grows.
How apparel brands get paid
Most apparel brands lead with cards for speed at checkout, add ACH for larger or recurring orders, and can accept stablecoins for customers who prefer it. All three run through one Flux integration.
A typical Flux setup for apparel brands
An apparel brand usually runs two businesses on one ledger: direct-to-consumer at full price and wholesale at terms. The DTC side is card-not-present through hosted fields on your own storefront, settling in 1-2 business days. Wholesale is invoice-driven, and ACH handles those net-terms payments with 1-3 day settlement. The REST API lets your order system create, send, and reconcile both flows, and QuickBooks sync keeps the channels from blurring in the books.
Drops and launches compress a month of volume into an afternoon, and pre-orders stretch a single sale across a season. For pre-orders, decide deliberately whether you charge at order or at ship, tell customers which, and hold to it. Charging at ship reduces disputes on delayed production runs; charging at order funds the run itself. Either way, the charge date starts the customer's clock on expectations, so the ship window belongs in the confirmation email.
What apparel brands should watch
The dispute pattern for brands is timeline-driven: pre-order delays and pushed production runs generate item-not-received claims from customers who forgot the ship window they agreed to. Restate the window in the order confirmation, email when it slips, and ship with tracking tied to the order record. On the wholesale side the risk is different: slow-paying retailers rather than disputes, so invoice terms and a follow-up cadence matter more there than any fraud tooling ever will.
Returns behave differently by channel. Direct-to-consumer returns are fit-driven and constant: make the portal easy, refund to the original card promptly, and the dispute rate stays low. Wholesale returns are negotiated credit memos with retailers and never touch the card rails, so keep them in your invoicing records, not your processor records. Keep the two return streams separate in your accounting or your margins by channel become fiction.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume apparel brands 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 apparel brands accept payments with Flux?
Apparel Brands 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 apparel brands?
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 apparel brands 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.
Should I charge pre-orders at purchase or at shipment?
Both are legitimate; the mistake is being vague about which you chose. Charging at order funds production but starts the customer's patience clock early, while charging at ship reduces disputes on delays. State the model on the product page and repeat it in the confirmation.
Can wholesale accounts pay invoices without running a card?
Yes. Wholesale invoices settle by ACH in 1-3 business days, which fits net-terms relationships better than monthly card charges. QuickBooks sync keeps those invoice payments reconciled separately from DTC revenue.
Do I need separate accounts for DTC and wholesale?
No. One Flux account carries both, with the REST API distinguishing storefront charges from invoice payments. The separation you actually need is in your books, which QuickBooks sync maintains by flow.
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