Flux gives optometrists cards, ACH, and recurring billing through one integration, with hosted fields and SAQ-D Level 2 PCI coverage that keep sensitive data off your practice systems.
Why optometrists choose Flux
PCI coverage without the burden
Card data is captured in origin-isolated iframes, so your practice is not running an audited card environment.
Recurring and plan billing
Charge memberships and payment plans automatically instead of re-running cards by hand.
Real-time settlement
Card payments settle in one to two business days so the practice is not waiting on cash flow.
How optometrists get paid
Optometrists typically take cards for copays and point-of-care payments, ACH for larger balances and plans, and can run recurring charges for memberships, all through Flux.
A typical Flux setup for optometrists
An optometry practice is two businesses at one counter: the exam side, with copays and insurance balances, and the optical side, which sells frames, lenses, and contacts at retail. Flux handles both in one card-present transaction at checkout, or as separate charges when the bookkeeping needs the exam and the sale split apart. Custom eyewear orders take a deposit at ordering and the balance at dispensing.
Contact lens patients reorder without coming in, so a payment link by text or email covers phone reorders, and an annual supply can be charged to a stored card when the patient approves it. Vision plans pay the practice directly for their portion, so the terminal only ever charges the patient's remainder. Cards settle in one to two business days, and QuickBooks sync keeps optical inventory purchases and daily sales reconciled.
What optometrists should watch
Eyewear generates refunds that have nothing to do with disputes: non-adapts, remakes, doctor-ordered prescription changes. Write the remake and refund policy on the order form the patient signs at the deposit stage, including whether the deposit is refundable once lenses are cut. When a refund is owed, send it back to the original card promptly, because a patient waiting on a refund for rejected progressives tells everyone they know.
Phone and text reorders are card-not-present, which shifts dispute risk toward the practice, so keep the order trail: who called, what was ordered, where it shipped. Ship contacts with tracking to the cardholder's address, not a third party. If you pass the card fee through where local surcharging rules allow, apply it consistently across exam and optical charges and post the disclosure at the counter and on payment links.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume optometrists 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 optometrists accept payments with Flux?
Optometrists 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 optometrists?
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 optometrists 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 a patient pay part of a purchase with vision benefits and the rest by card?
Yes, in practice that is the default transaction. The vision plan pays the practice its portion directly, so the terminal charges only the patient's remainder after plan allowances and copays. The receipt should itemize the plan credit so the patient sees why the number is what it is.
How should we take deposits on custom frames and lenses?
Charge the deposit at ordering as its own transaction, with the signed order form stating whether it is refundable once lenses are cut. Collect the balance at dispensing. Keeping the two charges separate makes remakes and refunds much cleaner to unwind.
Can we bill patients automatically for annual contact lens supplies?
Yes. With the patient's consent, an annual supply can be charged to a stored card when the prescription is current, with notice sent before the charge. Confirm the shipping address matches the cardholder each year, since these are card-not-present sales.
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