Flux gives bakeries fast card payments, hosted fields for online orders and deposits, and settlement that keeps cash moving instead of stuck for a week.
Why bakeries choose Flux
Fast settlement
Card payments settle in one to two business days so you can cover payroll and inventory.
Online orders and deposits
Take deposits and online orders through hosted fields that keep card data off your systems.
Volume pricing
High-volume bakeries can move to custom pricing as monthly volume grows.
How bakeries get paid
Bakeries lead with cards for speed at the point of sale, add hosted online payments for orders and event deposits, and settle quickly through Flux.
A typical Flux setup for bakeries
The counter runs on small card-present taps that peak before nine and on weekends, batching to settle in 1-2 business days. The second rail is custom work: wedding and celebration cakes booked weeks or months out, taken as a deposit invoice at consultation and a balance invoice before pickup, paid card-not-present through hosted fields. Holiday preorders, pies at Thanksgiving, king cakes, cookie boxes, work the same way at volume.
Wholesale is the third rail: standing orders to cafes and restaurants billed on recurring invoices, usually paid by ACH, which settles in 1-3 business days and matches how food-service customers run accounts payable. All three streams, counter, custom, wholesale, sync to QuickBooks separately, so you can see which one actually carries the margin. There are no monthly fees on qualifying card volume or minimums, which suits a bakery that shutters for a January reset.
What bakeries should watch
Custom orders concentrate the risk. A cake deposit taken in spring for an autumn wedding is a card-not-present charge that can be disputed long after the consultation, so write the cancellation terms on the invoice itself and collect the deposit only after the client has agreed to them. Balances should be paid before pickup, not promised at pickup; a finished custom cake has no second buyer.
Wholesale terms drift if you let them. Recurring invoices with a stated due date, paid by ACH, keep standing orders from becoming interest-free loans, and QuickBooks aging shows which accounts are slipping. At the counter, know your small-ticket math: the flat 2.9% plus 30 cents weighs more on a two dollar croissant than on a sixty dollar cake box, so judge the rate against your blended average ticket, not your cheapest item.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume bakeries 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 bakeries accept payments with Flux?
Bakeries 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 bakeries?
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 bakeries 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 should deposits work for wedding and custom cakes?
Take a deposit invoice at the consultation with your cancellation terms printed on it, then invoice the balance for payment before pickup. Card-not-present deposits taken months ahead are disputable, so the signed terms and the invoice trail are your protection.
What is the best way to run holiday preorders?
Put them on a preorder page paid up front through hosted fields, so Thanksgiving pies and holiday cookie boxes are funded before the ovens run. The batch settles in 1-2 business days, and prepaid orders end the day-of no-show problem.
Can wholesale standing orders bill themselves?
Yes. Recurring invoices go out on a fixed schedule, your cafe and restaurant accounts pay by ACH, and QuickBooks aging shows who is drifting past terms before it becomes a real receivable problem.
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