Flux gives restaurants fast card payments, hosted fields for online orders and deposits, and settlement that keeps cash moving instead of stuck for a week.
Why restaurants choose Flux
Fast settlement
Card payments settle in one to two business days so you can cover payroll and inventory.
Online orders and deposits
Take deposits and online orders through hosted fields that keep card data off your systems.
Volume pricing
High-volume restaurants can move to custom pricing as monthly volume grows.
How restaurants get paid
Restaurants lead with cards for speed at the point of sale, add hosted online payments for orders and event deposits, and settle quickly through Flux.
A typical Flux setup for restaurants
Most restaurant volume is card-present: servers close checks at the table or counter, guests tap or dip, and tips ride on the same transaction. Flux batches those cards for settlement in 1-2 business days, which matters when Friday and Saturday carry half the week. Online ordering for pickup runs card-not-present through hosted fields on your own site, so the kitchen gets direct orders without your website ever touching a card number.
Private dining and buyouts work better as invoices: send a deposit invoice to hold the date, then a balance invoice after the final menu is set, payable by card or ACH. House accounts for regulars can be billed monthly the same way. Everything, including tips and comps, syncs to QuickBooks nightly, and if a slow Tuesday leaves you short for a produce order, instant payouts via Visa Direct move card balances to your bank immediately.
What restaurants should watch
Tip adjustments are the detail that bites: if servers enter tips after the guest signs, close and adjust every check before the nightly batch, because edits after settlement mean refund-and-recharge. Card-present dining rarely produces chargebacks, but online pickup orders do, usually for missing items or long waits. A fast partial refund from the dashboard almost always costs less than a dispute, so give managers refund access and a simple policy.
If you want guests to carry the card fee, the consumer pass-through option adds it at the point of sale where local surcharging rules allow, but dine-in surcharges must be disclosed on the menu and receipt, and rules differ by state. Pass-through applies to card payments only, never ACH. Flux stays at the flat 2.9% plus 30 cents either way, and high-volume multi-location groups can move to custom interchange-plus pricing.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume restaurants 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 restaurants accept payments with Flux?
Restaurants 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 restaurants?
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 restaurants 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 servers adjust tips after a card is charged?
Yes, as long as the adjustment happens before the nightly batch settles. Once a check has settled, changing the tip means refunding and recharging the card, so make tip entry part of closing duties every shift.
Can a restaurant pass the card fee to diners?
Where local surcharging rules allow it, Flux supports a consumer pass-through option that adds the card fee to the check. You must disclose it clearly on menus and receipts, and it applies to card payments only, not ACH.
How should we take deposits for private dining and buyouts?
Send a deposit invoice to hold the date, then invoice the balance once the menu and headcount are final. Guests can pay either invoice by card or ACH, and both land in QuickBooks against the same event.
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