Flux gives hvac companies 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 hvac companies 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 hvac companies are not locked into a contract or paying for a slow month.
How hvac companies get paid
For hvac companies, 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 HVAC companies
HVAC money is seasonal and lumpy. A heat wave stacks the board with service calls that close by card on site, then a compressor failure turns a repair ticket into a full system replacement. Replacements typically run as a deposit at signing and a balance on startup, with ACH offered on the balance so a five-figure install does not sit on a homeowner's card. Cards settle in one to two business days, ACH in one to three.
Maintenance agreements are the flywheel that smooths spring and fall. Flux stores the customer's card with hosted fields and bills the plan monthly or annually on schedule, so tune-up revenue arrives whether the phone rings or not. Agreement customers also get priority scheduling, which means their saved payment details are already in place when the emergency call comes. The whole stream, one-time and recurring, reconciles into QuickBooks without manual entry.
What HVAC companies should watch
Equipment lead times create the awkward gap between deposit and install. If a condenser is backordered for weeks, a customer can cancel and dispute the deposit, so put cancellation terms in the signed proposal and collect the deposit by ACH when the timeline is uncertain. Recurring plans have their own leak: cards on file expire, and every failed autopay is a maintenance visit you fund before you are paid, so review declines weekly.
Seasonality punishes cash flow twice a year. Shoulder months arrive right after you have stocked refrigerant and paid overtime, which is where instant payouts through Visa Direct help, and stablecoin payments settle instantly to the merchant wallet: collected money becomes usable immediately instead of resting in the settlement window. On big replacements, the consumer pass-through option can apply where surcharging rules allow, though many shops simply offer ACH on the balance and keep cards for deposits.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume hvac companies 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 hvac companies accept payments with Flux?
HVAC Companies 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 hvac companies?
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 hvac companies 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 bill HVAC maintenance agreements automatically?
Yes. The customer's card is stored in secure hosted fields and charged monthly or annually on the plan schedule, with no action from your office each cycle. Failed charges surface so you can pause visits or update the card before the next tune-up.
How should an HVAC company take the deposit on a system replacement?
Collect it at proposal signing, by card or ACH, with cancellation and backorder terms spelled out in the signed document. Offer ACH on the balance so a five-figure install settles as a bank transfer rather than sitting on a consumer card.
What happens when a maintenance plan card on file declines?
The charge fails visibly rather than silently skipping, and the account shows past due so you can reach out before the next scheduled visit. Treat declines as a weekly checklist item: most are expired or reissued cards the customer will update in a minute if asked promptly.
Ready to get hvac companies paid with Flux?
Cards, ACH, and stablecoins in one platform. Apply in about two minutes.
Get Started