Flux gives fertility clinics 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 fertility clinics 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 fertility clinics get paid
Fertility Clinics 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 fertility clinics
Fertility billing is cycle-based and front-loaded: the cycle fee is due before medications start, so the invoice goes out at scheduling with both ACH and card options, and ACH carries most of the weight at these amounts. A deposit holds the cycle start date. Multi-cycle packages are sold as installments on a stored card or as staged bank transfers tied to each cycle's calendar.
Storage is the quiet recurring line: annual cryopreservation fees for eggs, embryos, and sperm bill automatically each year against a stored card, with notice sent ahead of the charge. Cards settle in one to two business days and ACH in one to three, so the finance office can confirm cleared funds before a cycle starts. QuickBooks sync keeps cycle fees, storage, and monitoring revenue in separate categories.
What fertility clinics should watch
Cancellation is clinical reality, and the financial consent must mirror it: a cycle canceled before retrieval refunds differently than one canceled after, and the schedule of what is retained at each stage belongs in the signed financial agreement, not in a conversation. When a cycle cancels, run the refund to the original payment method quickly and without being asked. Patients absorbing a canceled cycle should not also be chasing their money.
Payment often comes from more than one place: two partners, a parent helping, sometimes a gift. Take each payer as a separate transaction with a separate receipt rather than splitting one charge informally, so refunds later return to the right person. Be careful with disputes after unsuccessful treatment: they are emotionally loaded, and the signed financial consent showing what was purchased, a cycle of care rather than an outcome, is what resolves them.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume fertility clinics 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 fertility clinics accept payments with Flux?
Fertility Clinics 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 fertility clinics?
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 fertility clinics 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 partners or family members split a cycle payment across different cards or accounts?
Yes, and it is cleaner to take each payer as a separate transaction with a separate receipt than to split one charge informally. If a refund is ever owed, each payment returns to the method it came from, which keeps family money untangled at a stressful time.
How should we bill annual storage fees?
As automatic annual charges against a stored card, with notice sent before each renewal and the storage agreement on file. Notice matters: an expected charge renews consent quietly, while a surprise charge on a years-old card generates calls and occasionally disputes.
What does the refund look like when a cycle is canceled partway through?
It follows the stage-based schedule in your signed financial consent, which should define what is retained at each point in the cycle before the cycle starts. Run the refund to the original payment method promptly and without being asked, since patients absorbing a canceled cycle should not also be chasing money.
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