Flux lets business coaches 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 business coaches 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 business coaches from retyping every payment into the accounting system at month end.
How business coaches get paid
For business coaches, 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 business coaches
Coaching is sold in programs, and the payment plan is part of the offer: a six or twelve month engagement collected either as pay-in-full by card or as monthly installments charged to a stored card on a schedule the client signs at enrollment. Tickets are high for card-not-present payments, so settlement in 1-2 business days and clean authorization records both matter. Group programs and cohorts produce enrollment surges around launch dates rather than steady monthly flow.
Around the core program sit smaller flows: strategy-session fees collected at booking through a payment link, event and workshop tickets, and alumni memberships billed as small recurring charges. Some coaches serve international clients, and stablecoins over Solana or Ripple (XRP Ledger) give an overseas enrollee a way to pay a large program fee that settles instantly to the merchant wallet. QuickBooks sync keeps program cohorts and one-off sessions distinguishable in the books.
What business coaches should watch
High-ticket card-not-present coaching is a category issuing banks watch closely, and buyer's remorse is its dispute engine: an enrollee three payments into a plan decides it is not working and calls their bank instead of you. The defenses are structural: a signed enrollment agreement stating the full program price and schedule, a defined refund policy the client acknowledges, and delivery records, session attendance, and materials access for every billing period.
Sell the program, not the outcome: an agreement that implies an income result is both an ethical problem and a dispute you will lose. Installment plans should complete authorization at enrollment, with the full schedule in writing; never restructure a plan verbally. When a refund is owed under your policy, issue it promptly through the original payment method, because a slow refund converts a resolvable request into a formal chargeback.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume business coaches 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 business coaches accept payments with Flux?
Business Coaches 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 business coaches?
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 business coaches 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 we set up installment plans for a high-ticket program?
Collect the full schedule in a signed enrollment agreement, store the card, and let the installments run automatically on the agreed dates. The written schedule, acknowledged at enrollment, is what stands between you and a services-not-rendered dispute.
What refund policy actually protects us?
A defined one, stated in the agreement and acknowledged before the first payment: what qualifies, the window, and how it is issued. Whatever the policy is, honoring it quickly through the original payment method prevents most chargebacks.
Can international clients enroll in our program?
Yes. Foreign-issued cards work where the client's bank allows the charge, and stablecoins over Solana or Ripple (XRP Ledger) settle instantly to your merchant wallet, which suits a large one-time program fee from overseas.
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