Flux gives fintech startups recurring billing, ACH for larger payments, and hosted fields with SAQ-D Level 2 PCI coverage that keep sensitive data off your systems.
Why fintech startups choose Flux
Recurring premiums and fees
Bill premiums and recurring fees automatically.
ACH for larger payments
Route larger payments over ACH for the friendlier economics.
Records that reconcile
A QuickBooks sync keeps the books clean without retyping.
How fintech startups get paid
Fintech Startups run premiums and fees on recurring billing, accept ACH for larger amounts, and keep clean records through Flux with a QuickBooks sync.
A typical Flux setup for fintech startups
A fintech rarely wants a checkout page, it wants primitives: the full REST API for charges, refunds, and payout flows, hosted fields dropped into its own onboarding so card data never touches its servers, and settlement events its ledger can consume. Cards and ACH cover the conventional rails, and stablecoin acceptance on Solana and Ripple (XRP Ledger) settles instantly to the merchant wallet, which is often the feature the startup is actually building around.
Pricing is simple enough to model in a spreadsheet before the seed round closes: a flat 2.9% plus 30 cents per card transaction, no setup fees, no monthly fees on qualifying card volume, no minimums, no contracts, and custom interchange-plus once volume justifies it. Cards settle in 1-2 business days and ACH in 1-3, instant payouts via Visa Direct handle user-facing disbursement features, and QuickBooks sync keeps the finance function sane while it is still one person.
What fintech startups should watch
Scope is the quiet killer. The moment card data touches your stack, your compliance burden changes shape, so keep it out: Flux hosted fields render in origin-isolated iframes under a SAQ-D Level 2 PCI DSS program, and your job becomes securing tokens and access rather than raw card numbers. Write your data flows down early, because your first bank partner, auditor, or enterprise customer will ask for exactly that diagram.
Fraud finds new products fast, and card-not-present disputes will arrive before your support team does, so build refund and evidence handling into the product instead of a shared inbox. Stablecoin settlement is instant and final, which users love and your reconciliation logic must respect: there is no dispute window to lean on, so confirm amounts before release. And model settlement timing honestly, cards in 1-2 business days, ACH in 1-3, when you promise users money movement.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume fintech startups 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 fintech startups accept payments with Flux?
Fintech Startups 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 fintech startups?
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 fintech startups 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.
Does using hosted fields change what we have to do for PCI?
Hosted fields render inside origin-isolated iframes served by Flux, so raw card data never touches your servers, and Flux maintains SAQ-D Level 2 PCI DSS on its side. You still own the security of your tokens, access controls, and application, but your assessment scope is much smaller than if you handled card numbers directly.
Can our product settle in stablecoins?
Yes. Flux accepts stablecoins on Solana and Ripple (XRP Ledger), and settlement lands in the merchant wallet instantly, which makes it usable as a product feature rather than a back-office curiosity. Remember that settlement is final, so build your confirmation step before release, not after.
Can we build user payouts into our product?
Yes, instant payouts via Visa Direct are available through the REST API, so a marketplace or earned-wage feature can push funds to an eligible debit card. Card and ACH acceptance run through the same API, so pay-in and pay-out live in one integration.
Ready to get fintech startups paid with Flux?
Cards, ACH, and stablecoins in one platform. Apply in about two minutes.
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