Flux gives distributors ACH for large invoices, cards where buyers prefer them, and the option to pass the fee to the buyer at checkout where local rules allow.
Why distributors choose Flux
ACH for large orders
Move big invoices over ACH instead of paying card rates on five and six-figure orders.
Pass the fee where allowed
Add the processing fee to the buyer's total at checkout where local surcharging rules allow.
Volume pricing
Custom interchange-plus pricing as your monthly volume grows.
How distributors get paid
Distributors route large invoices over ACH for the economics, accept cards where buyers want them, and reconcile it all through Flux with a QuickBooks sync.
A typical Flux setup for distributors
Distribution is a statement business: dozens of deliveries to the same accounts every week, rolled up and billed on a cycle. The setup that fits is recurring ACH pulled on statement day for established accounts, so collection stops depending on a driver picking up a check at the dock. Newer accounts and small independents keep a card on file until they earn terms. Everything posts to QuickBooks, so cash application against hundreds of open invoices stops being a Friday afternoon job.
The rhythm matters more than the ticket size. ACH settles in 1-3 business days and cards in 1-2, so a statement cycle that pulls on the first of the month has funds in the account before the second week's routes run. Card pricing is a flat 2.9% plus 30 cents, and because distributor volume adds up across all those accounts, custom interchange-plus pricing is available once the numbers justify it. There are no monthly fees on qualifying card volume or contracts riding along.
What distributors should watch
The classic distributor dispute is not a chargeback, it is a short-pay: the account deducts for a shorted case, a damaged carton, or a promo allowance and remits the rest. When collection runs on autopay, decide in advance whether you pull the full statement and credit back, or adjust before the pull, because guessing wrong erodes trust with your best accounts. Keep deduction reasons coded in QuickBooks so patterns by account and by route become visible.
ACH returns are the quiet risk in route distribution. A small restaurant or shop can bounce a statement pull days after your trucks made three more stops there, so watch return codes per account and move repeat offenders back to card on file, where authorization happens before the goods roll. Refunds for returned product work better as credits on the next statement than as reversed payments, which keeps the ledger clean and the account current.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume distributors 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 distributors accept payments with Flux?
Distributors 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 distributors?
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 distributors 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 pull payment automatically on statement day for each account?
Yes, recurring ACH on a statement cycle is the standard distributor setup. Each account authorizes the pull once, and collection then runs on your billing calendar instead of your drivers' pockets. Funds settle in 1-3 business days.
What happens if an account's ACH pull bounces after we already delivered again?
The return comes back through Flux and the invoice reopens, but the goods are already on their shelf, which is why return history per account matters. Most distributors move accounts with repeat returns onto card on file, where the charge authorizes before the next delivery.
Can a new account start on card and move to ACH terms later?
That is the normal progression. Keep a card on file while the account is unproven, then switch them to statement billing with ACH once they have earned terms. Both run under the same Flux account and both sync to QuickBooks.
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