Flux gives payroll services recurring billing, ACH for larger payments, and hosted fields with SAQ-D Level 2 PCI coverage that keep sensitive data off your systems.
Why payroll services choose Flux
Recurring premiums and fees
Bill premiums and recurring fees automatically.
ACH for larger payments
Route larger payments over ACH for the friendlier economics.
Records that reconcile
A QuickBooks sync keeps the books clean without retyping.
How payroll services get paid
Payroll Services run premiums and fees on recurring billing, accept ACH for larger amounts, and keep clean records through Flux with a QuickBooks sync.
A typical Flux setup for payroll services
A payroll bureau's own receivables are steady and predictable: base plus per-employee fees, billed per payroll run or monthly, collected as recurring ACH debits from each employer client. That cadence follows your clients' pay schedules, so collections spike on the 1st and 15th and every Friday, and the 1-3 business day ACH settlement is easy to plan around. Card payments, at a flat 2.9% plus 30 cents, tend to be the onboarding month, not the steady state.
The REST API earns its keep here because billing is formula-driven: your platform already knows each client's headcount and run count, so it can generate the debit for every client after each cycle closes and reconcile through QuickBooks sync without a person touching it. Instant payouts via Visa Direct also open a product angle, an off-cycle or termination payment pushed to a worker's debit card, offered as a premium feature to your employer clients.
What payroll services should watch
Keep your service-fee collections and your payroll impound flows cleanly separated. Flux handles your receivables, the fees clients pay you; tax impounds and wage funding run through your money-movement stack under its own rules, and blurring the two in one account makes every audit harder. The practical risk is a client whose fee debit returns unpaid days before their payroll run: that return code is your early warning that the client's account may not cover wages either.
Because your payers are businesses, disputes look different: less card fraud, more a controller questioning a per-employee count after a round of layoffs. Itemize every debit by run date and headcount so the invoice answers the question before the phone rings. Watch authorization hygiene too, since clients change banks more often than they tell you, and a stale authorization becomes a returned debit at the worst possible moment in your billing cycle.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume payroll services 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 payroll services accept payments with Flux?
Payroll Services 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 payroll services?
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 payroll services 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.
Does Flux move the actual payroll, or just our fees?
Flux processes your receivables: the service fees your employer clients pay you. Net pay and tax impounds continue through your existing money-movement stack, though instant payouts via Visa Direct can push an off-cycle payment to a worker's eligible debit card if you offer that as a feature.
Can billing run automatically after every payroll cycle?
Yes. Your platform can create the debit for each client through the REST API as soon as a run closes, using that cycle's headcount and run count, and QuickBooks sync posts the results. Nothing needs to be keyed by hand between cycles.
Do our employer clients need Flux accounts to pay us?
No. You hold the merchant account; clients simply authorize the recurring debit or pay an invoice like any other vendor bill. Their side stays as simple as signing an authorization form.
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