Flux lets marketing agencies take cards for convenience, ACH for larger invoices where the economics are friendlier, and pass the processing fee to the client at checkout where local rules allow.
Why marketing agencies choose Flux
ACH for large invoices
Route retainers and big invoices over ACH where the per-transaction economics beat cards.
Pass the fee where allowed
On consumer pass-through, the processing fee is added to the client's total at checkout, where local surcharging rules allow.
Books that reconcile
A QuickBooks sync keeps marketing agencies from retyping every payment into the accounting system at month end.
How marketing agencies get paid
For marketing agencies, ACH usually fits large invoices and retainers, cards suit smaller or on-the-spot payments, and Flux handles both through one integration with a clean record for your books.
A typical Flux setup for marketing agencies
Agency billing splits into two very different flows: the monthly retainer and the media spend that passes through your hands. Retainers run as recurring charges, card for smaller clients and ACH debit for larger ones. Media budgets are the bigger number and the bigger risk, so most agencies collect them by ACH in advance of the spend, settling in 1-3 business days, rather than fronting ad platforms from the agency's own cash.
Project work such as a rebrand or a campaign build is billed as a deposit at kickoff and a balance at delivery, each with its own payment link. Where local surcharging rules allow, agencies often apply the consumer pass-through option on card payments for media budgets specifically, since those are pass-through dollars rather than agency revenue. QuickBooks sync separates retainer income from media pass-through so the profit picture stays honest month to month.
What marketing agencies should watch
Chargebacks cluster around breakups. A client who churns mid-month sometimes disputes the final retainer charge, and card-not-present retainers are easy to contest without documentation. A signed agreement with a clear notice period, plus deliverable records for the disputed month, wins most of these. Charging retainers at the start of the service month, not the end, also means any disputed charge covers work you have not yet fully sunk into the account.
Never let media spend ride on your own card while client payment lags. Collect the budget before the flight begins, and reconcile spend against collections monthly. On refunds: if a campaign is cancelled after the retainer runs, refund promptly through Flux rather than issuing a credit memo the client's bank never sees. A visible refund on the client's statement is the cheapest chargeback prevention available to an agency, and it costs you nothing extra.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume marketing agencies 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 marketing agencies accept payments with Flux?
Marketing Agencies 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 marketing agencies?
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 marketing agencies 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.
Should we bill media spend and our retainer as one charge or separately?
Separately. The retainer is your revenue and the media budget is pass-through, and combining them makes disputes, refunds, and your own accounting harder. Two payment links, or a recurring charge plus an ACH debit for media, keeps both flows clean.
What happens if a client disputes their retainer after cancelling?
You respond with the signed agreement, the notice terms, and evidence of work delivered in the billing period. Well-documented retainers with clear cancellation terms hold up; verbal arrangements do not. Charging at the start of the service month strengthens your position.
Can we automate billing when a client's ad budget changes month to month?
Yes. The REST API lets you adjust the recurring amount or issue a variable ACH debit each month based on the approved budget, with the client's standing written authorization on file.
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