Flux gives chiropractors cards, ACH, and recurring billing through one integration, with hosted fields and SAQ-D Level 2 PCI coverage that keep sensitive data off your practice systems.
Why chiropractors choose Flux
PCI coverage without the burden
Card data is captured in origin-isolated iframes, so your practice is not running an audited card environment.
Recurring and plan billing
Charge memberships and payment plans automatically instead of re-running cards by hand.
Real-time settlement
Card payments settle in one to two business days so the practice is not waiting on cash flow.
How chiropractors get paid
Chiropractors typically take cards for copays and point-of-care payments, ACH for larger balances and plans, and can run recurring charges for memberships, all through Flux.
A typical Flux setup for chiropractors
A chiropractic front desk lives on small, frequent transactions, so the card-present flow has to be fast: tap, receipt, next adjustment. Prepaid care plans, ten or twenty visits sold at the front desk, run as a single card or ACH payment with the visit count tracked in your practice software. Monthly wellness memberships bill automatically on stored cards, which turns a walk-in habit into predictable recurring revenue.
Insurance-billed visits still produce small patient balances, and those go out as emailed invoices rather than mailed statements a patient ignores. Cards settle in one to two business days, so a busy Monday is in the bank by midweek. With no monthly fees on qualifying card volume or minimums, a solo practice that closes for a week of continuing education is not paying for an idle terminal, and QuickBooks sync keeps package liabilities visible in the books.
What chiropractors should watch
Prepaid plans are the main exposure. When a patient stops at visit twelve of twenty, the refund math must be defined before the sale: state in the plan agreement whether unused visits refund at the discounted rate or the walk-in rate. Several states regulate prepaid care plan refunds, so put the formula in writing and apply it consistently. A clean, fast refund preserves the relationship in a way a dispute never does.
Membership billing fails quietly when cards expire, so review declined renewals weekly and treat the front desk conversation at the next visit as the recovery mechanism, not email alone. Avoid keying card numbers by hand at the desk: a keyed transaction is card-not-present, which weakens your position if the charge is ever disputed. Store the card once through hosted fields and charge the stored credential going forward.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume chiropractors 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 chiropractors accept payments with Flux?
Chiropractors 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 chiropractors?
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 chiropractors 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 I refund unused visits from a prepaid care package?
Refund against the original payment using the formula written into your plan agreement, and give the patient the calculation in writing. Whether unused visits refund at the package rate or the walk-in rate is your policy call, but it must be stated before the sale. Some states regulate prepaid plan refunds, so check your board's rules.
Can I sell monthly wellness memberships through Flux?
Yes. Memberships bill automatically against a stored card each month, and you control the schedule, so you can stop billing when a member cancels and restart it when they return. Keep a signed membership agreement that states the billing date and cancellation terms.
What happens when a member's card declines?
The renewal simply fails and the membership shows as unpaid; nothing is charged. Retry after updating the card, ideally at the member's next visit, since chiropractic patients are in the office often enough that in-person recovery works better than email.
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