Flux gives orthodontists 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 orthodontists 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 orthodontists get paid
Orthodontists 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 orthodontists
Orthodontic treatment is a two-year payment relationship: a down payment at the start of treatment, then a fixed monthly amount until the contract is paid. Flux runs that as an automatic schedule against a stored card or, better for the timeline, ACH, since bank accounts do not expire the way cards do partway through treatment. Records fees, retainers, and replacement aligners are charged as one-off transactions along the way.
Insurance orthodontic benefits usually pay the practice in their own installments, so the patient schedule covers only the family's share. ACH settles in one to three business days and cards in one to two, and QuickBooks sync keeps contract receivables visible against the treatment ledger. There are no contracts on the processing side, which is a small irony in a specialty built on twenty-four-month patient contracts.
What orthodontists should watch
Decline management is the core discipline: over a two-year schedule, cards expire, get reissued after fraud, and hit limits, and each silent failure ages a receivable. Prefer ACH for the monthly schedule, review failed payments weekly, and use the regular adjustment visit as the recovery conversation, since the family is in your chair every four to eight weeks anyway. A schedule that quietly stops in month nine is a receivable problem you discover late.
Transfers and early terminations need contract math decided in advance: the financial agreement should state how fees are earned across treatment phases, so a family moving away in month ten gets a defined reconciliation instead of a negotiation. Split-family arrangements deserve the same rigor: run separate schedules against each responsible party's own stored method under their own signed agreement, because one parent paying on another parent's card is a dispute waiting for a divorce decree.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume orthodontists 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 orthodontists accept payments with Flux?
Orthodontists 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 orthodontists?
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 orthodontists 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 monthly treatment payments run on a card or a bank account?
Prefer ACH for the long schedule: bank accounts do not expire or get reissued the way cards do across a two-year treatment, so the monthly pull just keeps working. Cards are fine for the down payment and one-off charges like retainer replacements.
How do we handle the money when a patient transfers to another orthodontist mid-treatment?
Apply the reconciliation formula in your financial agreement, which should state how fees are earned across treatment phases, and refund or collect the difference accordingly. The formula has to exist before the transfer; negotiating it afterward satisfies no one.
Can two parents split the monthly payment automatically?
Yes, run two separate schedules, each against that parent's own stored payment method under their own signed agreement. Never run one parent's share on the other's card; separate agreements keep a custody or divorce dispute from becoming your billing problem.
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