Flux works with high-risk and specialty merchants like continuity programs, with cards, ACH, and stablecoins through one integration and a real team that reviews the account rather than an automated no.
Why continuity programs choose Flux
A real underwriting review
Continuity Programs get a real team looking at the account, not an automated decline.
More than one rail
Cards, ACH, and stablecoins through one integration so you are not dependent on a single method.
Full PCI coverage
Card data is captured in origin-isolated iframes with SAQ-D Level 2 PCI coverage.
How continuity programs get paid
Continuity Programs often need more than one rail, cards for reach, ACH for larger amounts, and stablecoins where it fits, and Flux runs all three through one integration.
A typical Flux setup for continuity programs
A continuity business lives on the conversion event: an introductory offer or trial captured through hosted fields, then an automatic enrollment into the recurring cycle when the intro period ends. Flux runs that as a stored payment method billed on your program's cadence through the REST API, whether that is a monthly club shipment, a quarterly box, or an annual membership. The intro charge and the first full-price rebill are configured as distinct, clearly labeled transactions.
Skip, pause, and gift options belong in the setup from day one, driven through the API: a member who skips a month stays a member, while a member whose only exit is cancellation leaves for good. Physical clubs time their rebill dates ahead of fulfillment cutoffs so billing failures surface before boxes ship. Cards settle in 1 to 2 business days, keeping the cash cycle aligned with your fulfillment purchasing.
What continuity programs should watch
Negative option billing is the most regulated corner of recurring payments. The FTC expects the material terms, price, cadence, and cancellation method, disclosed right at the point of consent, an affirmative act of enrollment, and cancellation as simple as signup. Keep the evidence for every member: what the enrollment screen said, when they clicked, from what device. That record is simultaneously your chargeback response and your regulatory defense, and reconstructing it later is nearly impossible.
The trial-to-paid boundary generates most disputes: the first full-price rebill is where a member who misread the offer discovers it. A reminder message a few days before conversion costs you some conversions and saves you the disputes that card network monitoring programs count against you. Watch involuntary churn at rebill too, since a failed card at cycle three ends more memberships than cancellation does, and your retry and update flow decides whether it ends there.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume continuity programs 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 continuity programs accept payments with Flux?
Continuity Programs 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 continuity programs?
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 continuity programs 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.
What records do I need to defend a negative option chargeback?
The enrollment screen as the member saw it, the disclosed terms, the timestamped act of consent, and the pre-rebill reminder if you send one. Capture all of it at signup, because it cannot be reconstructed after a dispute arrives.
Can members skip or pause a cycle instead of canceling?
Yes, skip and pause states are controlled through the REST API against the stored payment method, with no re-enrollment needed when the member resumes. Programs that offer a skip keep members that a cancel-only flow would lose.
How should the trial-to-paid conversion be billed?
As two clearly separate transactions: the intro charge at signup and the full-price rebill when the trial ends, each matching what the enrollment screen disclosed. A reminder before the conversion date is the cheapest dispute prevention available.
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