Flux gives physical therapy clinics 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 physical therapy clinics 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 physical therapy clinics get paid
Physical Therapy Clinics 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 physical therapy clinics
Physical therapy billing follows the plan of care: an evaluation, then two or three visits a week for six to twelve weeks. Most clinics store a card at the evaluation and charge the copay automatically at each visit, so patients stop digging for a wallet three times a week. Self-pay patients buy visit packages up front by card or ACH, and cash-based clinics invoice by email with a hosted payment page.
Balances that surface after insurance adjudicates go to the stored card under the consent signed at evaluation, with notice before the charge. Cards settle in one to two business days and ACH in one to three, and QuickBooks sync ties each day's visits to the deposit that follows. The REST API can connect charges to your scheduling system so a completed appointment triggers the copay automatically.
What physical therapy clinics should watch
Attrition is the quiet revenue leak: a meaningful share of patients stop coming before the plan of care ends. If they prepaid a package, define the refund terms at purchase, and refund unused visits promptly when a patient is discharged early or moves away. If they pay per visit, the stored-card model means you are never chasing a balance from a patient who has already decided not to return.
Copays change when insurance changes, and January is when it happens: verify benefits at the first visit of the year before the automatic charge runs, or you will be issuing small refunds for months. No-show and late-cancellation fees are never covered by insurance, so they need their own signed policy, their own line on the receipt, and a warning conversation before the first one is ever charged.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume physical therapy clinics 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 physical therapy clinics accept payments with Flux?
Physical Therapy Clinics 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 physical therapy clinics?
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 physical therapy clinics 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 we charge a patient's copay automatically after each visit?
Yes. Store the card at the evaluation with signed consent, then trigger the copay when the visit completes, either manually or through the REST API from your scheduling system. Each charge generates a receipt, so patients see every visit accounted for.
What do we do when a patient is discharged before finishing a prepaid package?
Refund the unused visits to the original payment method using the terms in the package agreement. Define at purchase whether used visits reprice to the single-visit rate, because that is the difference between a five-minute refund and an argument.
How do we handle copays that change when insurance resets in January?
Reverify benefits at the first visit of the new year before the automatic charge runs, and update the stored amount. If the old amount already ran, refund the difference right away; small January overcharges compound quickly across a three-visit-a-week schedule.
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