Flux lets bookkeeping services 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 bookkeeping services 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 bookkeeping services from retyping every payment into the accounting system at month end.
How bookkeeping services get paid
For bookkeeping services, 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 bookkeeping services
Bookkeeping revenue is the steadiest in professional services: a flat monthly fee per client, debited by ACH on the same date each month under a standing written authorization. ACH suits the model because the amounts are modest, the relationships run for years, and mandates do not expire. Cleanup and catch-up projects, the other revenue stream, are billed as a deposit up front and a balance at delivery, usually by card with settlement in 1-2 business days.
The QuickBooks sync is almost the point here: you spend your day in clients' books, and your own receivables post and reconcile automatically instead of becoming the books you never get to. Seasonal spikes are mild, mostly January cleanup demand ahead of tax season, and the deposit-plus-balance structure absorbs them. Some bookkeepers add a card-on-file option for clients who prefer it, accepting that cards need updating in a way ACH never does.
What bookkeeping services should watch
Scope creep is the quiet margin killer: the flat fee covers a transaction volume and a service list, and clients grow past both without telling you. Reprice on a schedule and adjust the ACH debit with fresh authorization, in writing, before the new amount runs. A recurring debit that silently increased is the one situation where a long-standing client will call their bank instead of calling you, and that call is expensive.
Cleanup projects deserve their own discipline: quote from an actual look at the file, collect the deposit before you open the books, and hold the reconciled file until the balance settles. Disputes in this industry are rare and almost always relational, a client who left badly contesting the final month. A clean engagement letter with a notice period, plus a same-day handoff of the final reconciliation, defuses nearly all of them before they start.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume bookkeeping services 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 bookkeeping services accept payments with Flux?
Bookkeeping Services 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 bookkeeping services?
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 bookkeeping services 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.
Is ACH or card better for a small monthly bookkeeping fee?
ACH, for most firms. The mandate does not expire, the debit runs on schedule for years, and settlement in 1-3 business days is fine for a predictable fee. Offer card only to clients who specifically want it.
How do we change a client's monthly debit when we reprice?
Get the new amount authorized in writing before the next billing date, then update the recurring debit. The written trail protects you if the client later questions the increase with their bank instead of with you.
Should cleanup projects be billed differently from monthly service?
Yes: a deposit before work begins and a balance at delivery, each with its own payment link, kept entirely separate from the monthly ACH debit so the standing authorization stays exactly what the client signed.
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