Flux gives general contractors tap-friendly card payments, ACH for larger jobs and deposits, and hosted fields that work from a phone, so you can collect before you leave the site.
Why general contractors choose Flux
Collect on site
Take a card or send a payment link from the truck the moment the job is done.
ACH for big jobs
Route large project invoices and deposits over ACH to keep the cost down.
No contracts
Seasonal general contractors are not locked into a contract or paying for a slow month.
How general contractors get paid
For general contractors, cards handle on-the-spot and deposit payments, ACH suits larger project invoices, and Flux runs both from one integration you can use on a phone in the field.
A typical Flux setup for general contractors
General contracting money moves in draws, not tickets. A typical Flux setup takes the initial deposit by card or ACH at contract signing, then bills each milestone draw as an invoice with ACH as the default rail, since six-figure phases sit more comfortably on bank transfers that settle in one to three business days. Smaller punch-list and service-work invoices close by card. Every draw maps to a QuickBooks invoice so the bookkeeper sees the schedule of values, not a blur of deposits.
Change orders get their own invoices, billed when signed rather than rolled into the next draw, because unbilled change work is where margins go to die. Commercial clients on net terms pay by ACH once approved. GCs running their own client portal or project management stack wire Flux in through the full REST API, so a draw request in the software becomes a payable invoice without anyone rekeying amounts. Funds land on the same settlement timelines regardless of channel.
What general contractors should watch
Card economics change at contract scale. On a large draw, 2.9% plus 30 cents is real money, so most GCs reserve cards for deposits and small invoices, route draws through ACH, and use the consumer pass-through option where surcharging rules allow when a client insists on paying a big balance by card. Time lien waivers to cleared funds, not submitted payments: ACH settles in one to three business days, and a conditional waiver should not become unconditional early.
The final draw attracts the friction. Punch-list disagreements, allowance overages, and retainage all collide in the last invoice, and if that balance rode a card, it can come back as a chargeback months after closeout. Keep signed change orders, inspection records, and the punch-list sign-off attached to the job file, and consider splitting retainage into its own small invoice so a dispute over the last few items does not put the whole final payment in play.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume general contractors 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 general contractors accept payments with Flux?
General Contractors 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 general contractors?
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 general contractors 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 Flux handle a draw schedule on a construction contract?
Yes. Each draw is an invoice tied to a milestone, payable by ACH or card, and the full REST API can trigger draw invoices from your project management software when a phase completes. Everything maps into QuickBooks against the job.
Should a GC take card payments on large draws?
Usually only when the client insists. At 2.9% plus 30 cents the card fee on a large draw is meaningful, so most GCs default draws to ACH and use the consumer pass-through option where surcharging rules allow if a card is unavoidable.
When should lien waivers be released relative to payment?
Against cleared funds, not submitted payments. ACH settles in one to three business days and cards in one to two, so keep waivers conditional until settlement shows, then release. Your attorney sets the waiver language; the settlement timeline is what it should reference.
Ready to get general contractors paid with Flux?
Cards, ACH, and stablecoins in one platform. Apply in about two minutes.
Get Started