Flux gives bike shops 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 bike shops 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 bike shops can move to custom interchange-plus pricing as monthly volume grows.
How bike shops get paid
Most bike shops 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 bike shops
A bike shop is two businesses at one counter: retail bikes with tall tickets, and a service bench of small, steady repair jobs. New bike sales, especially e-bikes, reach amounts where customers ask about paying by ACH, which settles in 1-3 business days; cards settle in 1-2 and handle everything from tubes to tune-ups. Service work is written up as a ticket with payment at pickup, tap or chip at the counter.
Special-order frames and components take a deposit at order and the balance at build completion, both linked to the work order through the dashboard or API. Trade-ins on upgrades are the reverse flow: instant payouts over Visa Direct pay the customer for their old bike on the spot, which closes upgrade deals that a mailed check would lose. Spring brings the compressed rush of tune-ups and new-bike sales, and QuickBooks sync keeps service and retail revenue reported separately.
What bike shops should watch
The tall-ticket side deserves care: an e-bike is a portable, resellable item at exactly the price stolen cards chase, so treat web or phone orders for high-end bikes differently from floor sales. Ship built bikes with signature confirmation, and for local buyers prefer in-store pickup with the card present. On the service side, quote before you wrench: a repair bill that doubles without a phone call is the most common source of counter disputes in the trade.
Deposits on custom builds need written scope: the build sheet, the price, the timeline, and which part of the deposit covers special-order parts that cannot go back to your distributor. When a customer abandons a build, that paper decides whether you eat the parts. Seasonal timing cuts the other way too: a bike sold in November can be disputed by a regretful January, so keep signed receipts and sales records within easy reach through the winter.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume bike shops 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 bike shops accept payments with Flux?
Bike Shops 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 bike shops?
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 bike shops 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 a customer pay for an e-bike by ACH?
Yes, and at e-bike prices many customers prefer it. ACH settles in 1-3 business days, and some shops release the bike after settlement rather than at payment, which is worth stating when the sale is written up.
How do trade-ins get paid out?
Instant payouts over Visa Direct put the agreed trade-in value on the customer's debit card while they are standing next to their next bike. Tying the payout to the old bike's serial number keeps your intake records clean.
What should a custom build deposit cover?
At minimum, the special-order parts your distributor will not take back, spelled out on a signed build sheet with the price and timeline. If the customer walks mid-build, that document is the difference between a covered cost and eaten inventory.
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