Flux gives dental practices 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 dental practices 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 dental practices get paid
Dental Practices 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 dental practices
Most dental offices run two distinct flows through Flux. At the front desk, patient portions and copays go through card-present at checkout, and larger restorative cases like crowns and implants take a deposit before the lab work starts with the balance collected at seating. After insurance adjudicates, the remaining patient responsibility goes out as an emailed invoice with a hosted payment page, so the back office is not chasing paper statements.
In-house membership plans for uninsured patients bill monthly on stored cards, and phased treatment plans can run as scheduled installments with written consent on file. Card settlements arrive in one to two business days and ACH in one to three, which matters when you are reconciling against the practice management day sheet. QuickBooks sync carries each batch over automatically, so month-end close does not mean retyping deposits.
What dental practices should watch
The most common payment dispute in a dental office is not fraud. It is a patient charged an estimated portion that the insurer later covered, or covered at a higher rate than the pre-authorization suggested. Refund the difference as soon as the explanation of benefits posts rather than holding a credit, because a prompt refund closes the issue while a lingering balance invites a chargeback you then have to document with treatment records.
Card-on-file agreements need clear written consent that states when the card will be charged and for what range of amounts, especially for post-adjudication balances. Flux hosted fields run in origin-isolated iframes under SAQ-D Level 2 PCI DSS, so card numbers never touch your practice management system. If you use the consumer pass-through option where local surcharging rules allow, disclose it before treatment, not on the receipt, because dental patients compare quotes.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume dental practices 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 dental practices accept payments with Flux?
Dental Practices 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 dental practices?
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 dental practices 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 we keep a card on file for balances after insurance pays?
Yes, with a signed consent that states when the card will be charged and up to what amount. Charge the balance once the explanation of benefits posts and send a receipt that references the visit date. That consent language is what protects the practice if the charge is later questioned.
How should we structure payment for a large treatment plan?
Take a deposit before lab work begins and collect the balance at seating, or set up scheduled installments on a stored card for phased treatment. Put the schedule in the signed financial arrangement so every charge maps to a line the patient agreed to.
Will Flux reconcile against our practice management day sheet?
Card batches settle in one to two business days and ACH in one to three, so each day sheet maps to a deposit shortly after. QuickBooks sync carries the batches into your books automatically, and the transaction record shows which payments made up each deposit.
Ready to get dental practices paid with Flux?
Cards, ACH, and stablecoins in one platform. Apply in about two minutes.
Get Started