Flux gives b2b marketplaces ACH for large invoices, cards where buyers prefer them, and the option to pass the fee to the buyer at checkout where local rules allow.
Why b2b marketplaces choose Flux
ACH for large orders
Move big invoices over ACH instead of paying card rates on five and six-figure orders.
Pass the fee where allowed
Add the processing fee to the buyer's total at checkout where local surcharging rules allow.
Volume pricing
Custom interchange-plus pricing as your monthly volume grows.
How b2b marketplaces get paid
B2B Marketplaces route large invoices over ACH for the economics, accept cards where buyers want them, and reconcile it all through Flux with a QuickBooks sync.
A typical Flux setup for B2B marketplaces
A marketplace runs money in two directions, and both flows shape whether sellers stay. On the buy side, checkout takes cards through hosted fields in origin-isolated iframes, with ACH for the pallet-sized purchase orders, and the REST API ties every payment to its order. On the payout side, instant payouts via Visa Direct move a seller's money to their card the moment you release it, so a sale on your platform can become their cash the same day.
B2B order values swing wider than consumer marketplaces, from a sample box to a container load, so the rails need to flex with the ticket. Cards clear in 1-2 business days, ACH in 1-3, and your platform fee comes out of the flow your own logic defines through the API. Recurring billing covers seller subscriptions and listing fees. Pricing is flat 2.9% plus 30 cents, with custom interchange-plus on the table as marketplace volume grows.
What B2B marketplaces should watch
When a seller ships late, short, or never, the chargeback does not land on the seller: it lands on you, because the buyer paid the marketplace. That makes seller vetting a payments control, not just a quality one. Hold proof of delivery requirements in your seller agreement, keep tracking data attached to each order, and do not release a payout while an order is still in dispute, since recovering money already paid out is a collections project.
Timing between rails is the other trap. An ACH-funded order settles in 1-3 business days but can still return after that, so a payout policy that fires on order placement rather than cleared funds means you are fronting the seller your own money. Refunds need a policy that spans both sides: who funds the refund, what happens to your platform fee, and whether the seller's payout gets clawed from the next cycle. Write those rules before the first hard case, not during it.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume b2b marketplaces 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 b2b marketplaces accept payments with Flux?
B2B Marketplaces 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 b2b marketplaces?
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 b2b marketplaces 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.
How fast can we pay our sellers after a buyer completes an order?
With instant payouts via Visa Direct, funds reach a seller's card as soon as you release them. The practical limit is your own risk policy: card-funded orders clear to you in 1-2 business days and ACH in 1-3, and most marketplaces wait for cleared funds before releasing a payout.
Who is responsible when a buyer files a chargeback over a seller's shipment?
The marketplace is, because the buyer's payment came to your platform. Your seller agreement should push the economic loss back to the seller through payout holds or offsets, and your order records, tracking numbers, and delivery confirmations are what you fight the dispute with.
Can our platform logic control the whole flow, from checkout to seller payout?
Yes, the full REST API covers charging buyers, issuing refunds, and triggering Visa Direct payouts, so your marketplace code decides when money moves and under what rules. Hosted fields in origin-isolated iframes handle card entry so card data stays out of your stack.
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