Flux gives online marketplaces one integration for cards, ACH, and stablecoins, with drop-in hosted fields that keep card data off your servers and a checkout customers actually trust.
Why online marketplaces choose Flux
Same-day and next-day settlement
Card payments settle in one to two business days, so cash is not stuck for a week while you restock.
Hosted fields, less PCI to worry about
Card data is captured in origin-isolated iframes on payments.fluxpayments.com, so it never touches your store.
Volume discounts as you scale
Higher-volume online marketplaces can move to custom interchange-plus pricing as monthly volume grows.
How online marketplaces get paid
Most online marketplaces lead with cards for speed at checkout, add ACH for larger or recurring orders, and can accept stablecoins for customers who prefer it. All three run through one Flux integration.
A typical Flux setup for online marketplaces
A marketplace moves money twice: in from buyers and out to sellers, and the two legs have different jobs. Buyer payments come in card-not-present through hosted fields or the REST API, settling in 1-2 business days. Seller payouts go out on your schedule, and instant payouts over Visa Direct put funds on a seller's debit card in near real time, which is the single feature sellers will most notice. ACH covers larger or scheduled disbursements in 1-3 business days.
The API carries more weight here than in any other retail model, because every order fans out into a buyer charge, a platform fee, and a seller payout that your ledger must keep consistent. Stablecoin payouts on Solana or Ripple (XRP Ledger) settle instantly to a seller's wallet, which is useful when your sellers are international. QuickBooks sync reconciles the platform's own revenue; the seller-level ledger is your build, and the API is its data source.
What online marketplaces should watch
The marketplace's structural problem is that buyers dispute charges with you, not with the seller who caused the problem. Your name is on the statement, so your account absorbs the chargeback while your recourse against the seller is whatever your terms of service say. Write those terms with disputes in mind: holdbacks, payout delays for new sellers, and evidence requirements. A marketplace that pays instantly to unvetted sellers is funding fraud with its own float.
Onboarding is the other half: know who your sellers are before money moves to them, both for fraud reasons and because payout rails carry their own compliance expectations. Stage trust deliberately, new sellers on delayed payouts and established sellers on instant. Refund flow needs deciding in advance too, since the buyer's refund and the seller's clawback are separate events that will not always net to zero, and your policies determine who eats the difference.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume online marketplaces 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 online marketplaces accept payments with Flux?
Online Marketplaces 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 online marketplaces?
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 online marketplaces 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.
How quickly can I pay my sellers?
Instant payouts over Visa Direct reach a seller's debit card in near real time, ACH disbursements settle in 1-3 business days, and stablecoin payouts on Solana or Ripple (XRP Ledger) settle instantly to a wallet. Most marketplaces stage these by seller trust level rather than offering instant to everyone.
Who is responsible when a buyer files a chargeback?
The platform is, because the charge ran on your account and your name is on the statement. Your recovery from the seller is a contract matter, which is why holdbacks and payout delays for new sellers belong in your terms of service from day one.
How should refunds work when the seller already got paid?
Treat the buyer refund and the seller clawback as two separate operations in your ledger, because they are. Decide before launch who absorbs the gap when a clawback fails, and reflect that answer in your holdback policy.
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