Flux gives investment firms recurring billing, ACH for larger payments, and hosted fields with SAQ-D Level 2 PCI coverage that keep sensitive data off your systems.
Why investment firms 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 investment firms get paid
Investment Firms 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 investment firms
Advisory and planning fees drive the flow: quarterly management fees billed as recurring ACH debits against the client's authorization, and flat planning or subscription fees on cards for households that prefer them. Ticket sizes are large and infrequent rather than small and constant, so ACH, settling in 1-3 business days, carries most of the dollar volume, while the card option, at a flat 2.9% plus 30 cents, mostly serves smaller retainers and one-time planning engagements.
Billing runs on a calendar, not a rush, so the useful part is what happens after the payment: QuickBooks sync posts each fee against the right client and period, and the REST API lets a firm generate the quarterly run from its own fee-calculation spreadsheet or portfolio software instead of keying invoices by hand. There are no monthly fees on qualifying card volume or minimums, so a boutique firm with a handful of billing events per quarter is not penalized for being quiet.
What investment firms should watch
Direct fee billing brushes up against custody and adviser regulation, and how you collect matters as much as how much. Debiting a client's bank account under a standing authorization is a different regulatory posture than deducting from custodial assets, so document the authorization, mirror it in your ADV disclosures, and keep your compliance counsel in the loop before you turn on recurring debits. Flux gives you the rail and the records; the regulatory analysis stays yours.
Disputes are rare in this business but never small: a contested quarterly fee is a large number attached to a client you want to keep, so send the fee calculation with the debit notice and give clients a date certain for each pull. Terminations create prorated refunds, and returning an overcharged fee promptly is both an obligation and far better than a formal complaint. On card payments, remember the flat rate compounds quietly on large recurring tickets; ACH usually fits better.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume investment firms 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 investment firms accept payments with Flux?
Investment Firms 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 investment firms?
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 investment firms 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 debit quarterly advisory fees straight from a client's bank account?
Yes, recurring ACH debits under a standing client authorization handle quarterly fee billing, and the REST API can generate the run from your own fee calculations. Whether direct billing fits your custody and disclosure posture is a question for your compliance counsel before the first debit.
Does collecting fees through Flux create custody of client funds?
Flux moves a fee payment from the client to your firm the way any receivable moves; it does not hold or touch the investment assets you advise on. Custody analysis under adviser regulation depends on your authority over client accounts, so run your billing method past compliance counsel.
How do we refund a client who terminates mid-quarter?
Issue the prorated refund against the original payment so the two are linked in your records and in QuickBooks. Refunds travel back on the rail the payment used, so an ACH-billed fee returns to the client's bank account rather than appearing as a mystery credit.
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