Flux lets financial advisors take cards for convenience, ACH for larger invoices where the economics are friendlier, and pass the processing fee to the client at checkout where local rules allow.
Why financial advisors choose Flux
ACH for large invoices
Route retainers and big invoices over ACH where the per-transaction economics beat cards.
Pass the fee where allowed
On consumer pass-through, the processing fee is added to the client's total at checkout, where local surcharging rules allow.
Books that reconcile
A QuickBooks sync keeps financial advisors from retyping every payment into the accounting system at month end.
How financial advisors get paid
For financial advisors, ACH usually fits large invoices and retainers, cards suit smaller or on-the-spot payments, and Flux handles both through one integration with a clean record for your books.
A typical Flux setup for financial advisors
Flux fits the fee models that bill outside custodial accounts: flat-fee planning engagements, hourly work, and subscription financial planning. A one-time planning fee goes out as an invoice with a payment link, paid by card or ACH. Subscription planning runs as a recurring monthly or quarterly charge to a stored card or an ACH mandate. Asset-based fees deducted from custodial accounts stay with your custodian; Flux handles everything the custodian cannot bill.
The rhythm is quarterly: planning clients on quarterly billing generate a predictable pulse of ACH debits settling in 1-3 business days, while monthly subscription clients smooth revenue between those pulses. Documentation matters more than in most industries, so each recurring authorization is tied to the signed advisory agreement, and QuickBooks sync gives your books the transaction-level record your compliance file wants to sit alongside the agreement itself.
What financial advisors should watch
Direct billing intersects with custody and compliance questions, and those rules depend on how you are registered, so run your billing design past compliance counsel before you automate it. What a processor can give you is the paper trail: written authorization for every recurring charge, invoices that match the fee schedule in your disclosure documents and advisory agreement, and records that survive an exam. Fee billing that matches disclosed terms exactly is the whole game.
Terminations need prorating discipline. When a client leaves mid-quarter, calculate the earned portion per your agreement and refund the difference through the processor promptly, so the refund is visible on the client's statement rather than a check they misplace. Disputes are rare here and almost always follow an unexpected charge, so send notice before each billing cycle runs; a debit the client expected is a debit that never gets disputed.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume financial advisors 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 financial advisors accept payments with Flux?
Financial Advisors 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 financial advisors?
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 financial advisors 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 bill subscription planning fees automatically?
Yes. Recurring card or ACH billing runs on the schedule in your advisory agreement, with the client's written authorization on file. Confirm the billing design with compliance counsel, since direct billing rules depend on how your practice is registered.
How should we handle a refund when a client terminates mid-quarter?
Compute the unearned portion under your agreement's proration terms and issue the refund through Flux so it appears on the client's card or bank statement. A prompt, visible refund is also exactly what your compliance file wants to show.
Does Flux replace fee deduction through our custodian?
No. Custodial fee deduction for asset-based fees stays where it is. Flux covers what custodians do not bill: planning fees, hourly engagements, and subscription arrangements paid directly by clients.
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