Flux gives manufacturers ACH for large invoices, cards where buyers prefer them, and the option to pass the fee to the buyer at checkout where local rules allow.
Why manufacturers choose Flux
ACH for large orders
Move big invoices over ACH instead of paying card rates on five and six-figure orders.
Pass the fee where allowed
Add the processing fee to the buyer's total at checkout where local surcharging rules allow.
Volume pricing
Custom interchange-plus pricing as your monthly volume grows.
How manufacturers get paid
Manufacturers route large invoices over ACH for the economics, accept cards where buyers want them, and reconcile it all through Flux with a QuickBooks sync.
A typical Flux setup for manufacturers
Production payments come in stages, and the rails should match the stages. The deposit that releases a job to the floor usually lands by card or ACH, progress billing on long lead times runs on ACH, and the balance clears before the truck is loaded. Tooling and setup charges ride on the first invoice. The REST API ties each payment to a job number, so the shop floor and the front office are looking at the same truth.
For overseas buyers, stablecoins on Solana or Ripple (XRP Ledger) replace the international wire and its delays and Friday afternoon cutoffs: the payment lands in your wallet instantly, and the job ships without waiting on correspondent banks. Domestic buyers stay on ACH, settling in 1-3 business days. Card pricing is flat at 2.9% plus 30 cents, with interchange-plus available at higher volume, and there are no monthly fees on qualifying card volume between production runs.
What manufacturers should watch
Disputes in manufacturing are about spec, not fraud, and they arrive after delivery: the part is out of tolerance, the finish is wrong, the quantity is short. A chargeback on a card-paid balance is hard to fight without paper, so keep the signed drawing approval, the change orders, and the inspection report tied to the payment record. Better still, structure the money so the deposit is nonrefundable in writing and the balance clears before the goods leave the dock.
Cancellations mid-run are the other exposure. Custom work has no salvage value, so your terms should spell out what happens to the deposit and to work in process before anyone pays anything. Stablecoin payments have no chargeback mechanism, which cuts both ways: they are final when received, and any make-good is a commercial credit you issue on your own terms. ACH sits in between, with a return window measured in days rather than the months a card dispute can take.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume manufacturers 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 manufacturers accept payments with Flux?
Manufacturers 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 manufacturers?
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 manufacturers 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 collect a deposit at order and the balance before shipment on one invoice flow?
Yes. Take the deposit by card or ACH when the job releases to production, then collect the balance on a second payment before the goods ship. Both payments tie back to the same job through the REST API and sync to QuickBooks.
How can an overseas buyer pay us without an international wire?
They can pay in stablecoins on Solana or Ripple (XRP Ledger), and the funds land in your merchant wallet instantly. There is no correspondent bank chain and no waiting for a value date, so the job can ship as soon as the payment arrives.
What happens if a buyer disputes the balance payment after taking delivery?
If the balance was paid by card, the dispute runs through the card network and your evidence is the spec approvals, change orders, and delivery documentation. ACH and stablecoin balances do not carry that dispute mechanism, which is one reason many manufacturers steer large balances onto those rails.
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