Flux gives equipment suppliers ACH for large invoices, cards where buyers prefer them, and the option to run a cash discount program so buyers who pay by card cover the processing fee.
Why equipment suppliers choose Flux
ACH for large orders
Move big invoices over ACH instead of paying card rates on five and six-figure orders.
Offer a cash discount
Run a cash discount program so buyers who pay by card cover the processing fee.
Volume pricing
Custom interchange-plus pricing as your monthly volume grows.
How equipment suppliers get paid
Equipment Suppliers 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 equipment suppliers
Equipment sales are few and large, parts sales are many and small, and the setup should treat them differently. A machine sale starts with a card or ACH deposit against the quote, and the balance moves by ACH once the unit is ready to deliver, keeping a five-figure ticket off a single card authorization. Parts orders and service invoices run on cards day to day by payment link, and phone orders from the field go out as payment links the buyer pays on their own device.
Buying is seasonal in most equipment lines: construction fleets spend ahead of the build season, agriculture ahead of planting and harvest, and the quiet months in between carry no monthly fees on qualifying card volume, minimums, or contracts. Cards settle in 1-2 business days and ACH in 1-3, deposits sync to QuickBooks against the open quote, and the pass-through option, a cash discount program, means buyers who insist on putting the whole machine on a card cover the processing fee.
What equipment suppliers should watch
The deposit is where equipment deals go sideways. A buyer cancels after you have ordered the unit from the factory, and if the deposit came in by card, a chargeback attempt often follows the cancellation letter. Your defense is a cancellation clause the buyer signed before paying, stating exactly what the deposit covers, restocking, freight, order commitment, and a payment record that references it. Without that paper, the network tends to side with the cardholder.
Delivery and installation are the other dispute magnets. A machine that arrives is not the same as a machine that runs, so collect the balance against a signed delivery and commissioning acknowledgment, not a shipping notification. Returns of heavy goods are expensive enough that most refund questions should resolve as service visits or credits rather than reversed payments. For used equipment, document condition at sale, since an as-is signature is the difference between a dispute and a conversation.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume equipment suppliers and the option to run a cash discount program so customers who pay by card cover the processing fee. 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 equipment suppliers accept payments with Flux?
Equipment Suppliers 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 equipment suppliers?
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 run a cash discount program, so customers who pay by card cover the processing fee.
How fast do equipment suppliers 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 is the cleanest way to structure a deposit and balance on a machine sale?
Take the deposit by card or ACH against the signed quote, then collect the balance by ACH when the unit is ready to deliver. Splitting the rails keeps the large balance off the card network's dispute process while still letting the buyer commit quickly.
A buyer wants to put an entire equipment purchase on a card. Should we let them?
You can, at the flat 2.9% plus 30 cents, and the pass-through option, a cash discount program, shifts that cost to the buyer. The bigger consideration is dispute exposure on a large card-not-present ticket, so pair it with signed terms and delivery documentation.
Can our parts orders, service department, and equipment sales all run through one account?
Yes. Parts orders and phone orders paid by payment link, invoiced service work, and staged equipment payments run under the same Flux account, and each settles on its rail's normal timing. Walk-in counter sales stay on your counter system. QuickBooks sync keeps the revenue streams separated in your books.
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