Flux gives florists one integration for cards, ACH, and stablecoins, with drop-in hosted fields that keep card data off your servers and a checkout customers actually trust.
Why florists choose Flux
Same-day and next-day settlement
Card payments settle in one to two business days, so cash is not stuck for a week while you restock.
Hosted fields, less PCI to worry about
Card data is captured in origin-isolated iframes on payments.fluxpayments.com, so it never touches your store.
Volume discounts as you scale
Higher-volume florists can move to custom interchange-plus pricing as monthly volume grows.
How florists get paid
Most florists lead with cards for speed at checkout, add ACH for larger or recurring orders, and can accept stablecoins for customers who prefer it. All three run through one Flux integration.
A typical Flux setup for florists
A florist's volume concentrates into a handful of dates: Valentine's Day, Mother's Day, and a wedding season layered over daily orders. Walk-ins are card-present at the counter; the larger share arrives by phone and web, keyed or through hosted fields, as card-not-present sales. Cards settle in 1-2 business days, which matters when a single holiday week can carry a meaningful slice of the year. Wedding and event work runs deposit-then-balance, with the balance often on ACH.
Corporate accounts, the restaurants, hotels, and offices with standing weekly arrangements, are invoice businesses: monthly ACH billing with 1-3 day settlement, generated through the REST API rather than typed each month. Weddings deserve written contracts with a card deposit at booking and a balance due date before the event, not after, because chasing payment past the wedding is a losing position. QuickBooks sync keeps event work, house accounts, and daily orders in separate, reconciled streams.
What florists should watch
Perishability shapes every refund conversation: the product cannot come back, so a complaint is always resolved with money or a redo. A redelivery-first policy handles most quality complaints more cheaply than refunds, but when you do refund, do it immediately, because flowers are an emotional purchase and a slow refund on a funeral arrangement is a dispute plus a reputation wound. Photograph arrangements before they leave the shop; it is your only evidence of what was delivered.
Phone orders are florist tradition and card-not-present risk in the same gesture: a keyed card, a recipient who is not the buyer, and a delivery address that matches neither. That is a normal flower order and also the exact shape of a fraudulent one, so watch the tells: rush orders to forwardable addresses, callback numbers that do not answer, unusually large phone orders from unknown buyers. Publish a last-guaranteed-delivery date for each holiday early and honor it strictly.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume florists 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 florists accept payments with Flux?
Florists 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 florists?
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 florists 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.
How should wedding deposits and final payments be structured?
A card deposit at booking against a written contract, with the balance due before the event date, often by ACH for larger totals. Collecting the balance after the wedding is how florists end up financing other people's receptions.
What do I do when a recipient says the flowers arrived wilted?
Offer redelivery first, which resolves most quality complaints for the cost of one arrangement, and refund immediately when redelivery will not do. Photographing arrangements before they leave the shop gives you evidence for the rare complaint that is not in good faith.
Are phone-in orders riskier than website orders?
Somewhat, because a keyed card with a third-party recipient and an unrelated delivery address is both a normal flower order and the classic fraud pattern. Apply extra care to rush orders from unknown buyers, and keep order details tied to the transaction in case of a later dispute.
Ready to get florists paid with Flux?
Cards, ACH, and stablecoins in one platform. Apply in about two minutes.
Get Started