Flux gives saas companies ACH for large invoices, cards where buyers prefer them, and the option to pass the fee to the buyer at checkout where local rules allow.
Why saas companies choose Flux
ACH for large orders
Move big invoices over ACH instead of paying card rates on five and six-figure orders.
Pass the fee where allowed
Add the processing fee to the buyer's total at checkout where local surcharging rules allow.
Volume pricing
Custom interchange-plus pricing as your monthly volume grows.
How saas companies get paid
SaaS Companies route large invoices over ACH for the economics, accept cards where buyers want them, and reconcile it all through Flux with a QuickBooks sync.
A typical Flux setup for SaaS companies
Subscription billing is the whole business, so the setup centers on cards stored once and charged on cycle through the REST API: monthly plans, seat changes, prorations, all driven by your own billing logic. Larger annual contracts move to ACH invoicing, where a single bank transfer replaces twelve card charges and their twelve chances to decline. Checkout lives inside your product using hosted fields in origin-isolated iframes, so card data never touches your servers.
Settlement is steady rather than seasonal: cards clear in 1-2 business days and ACH in 1-3, so recurring revenue becomes recurring cash on a predictable lag. Pricing stays flat at 2.9% plus 30 cents until volume justifies custom interchange-plus, and with no monthly fees on qualifying card volume or contracts, the payment stack does not add a fixed cost line while you are still finding product-market fit. Every charge, refund, and proration syncs to QuickBooks.
What SaaS companies should watch
Your quiet revenue leak is the failed renewal: cards expire, get reissued after fraud, or hit limits, and the customer never intended to leave. Treat declines as a retention problem, not a payments problem, with dunning emails and an in-app prompt to update the stored card before access lapses. Moving your largest accounts to annual ACH shrinks the surface area, since one payment a year has far fewer chances to fail than twelve.
Subscription chargebacks are mostly forgetfulness weaponized: a customer sees an unfamiliar charge, does not recognize the billing descriptor, and disputes instead of emailing. A descriptor that plainly matches your product name, a cancellation flow that does not require a phone call, and a receipt on every renewal remove most of them before they start. When a dispute does land, your usage logs are the evidence, showing the account was active during the billed period.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume saas companies 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 saas companies accept payments with Flux?
SaaS Companies 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 saas companies?
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 saas companies 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 drive all our subscription billing through the API?
Yes, the full REST API covers charging stored cards on your billing cycle, prorating seat changes, and issuing refunds, so your own application stays the system of record. Checkout uses hosted fields in origin-isolated iframes, which keeps card data out of your codebase.
What does PCI compliance look like if checkout is embedded in our app?
Flux operates at SAQ-D Level 2 PCI DSS, and the hosted fields run in origin-isolated iframes, so card numbers are entered into Flux's environment rather than your pages. Your engineering work is integrating the fields, not securing raw card data.
How should we bill annual contracts differently from monthly plans?
Most SaaS companies invoice annual contracts by ACH: one bank transfer that settles in 1-3 business days, with no card expiration risk sitting under a year of revenue. Monthly self-serve plans stay on stored cards charged automatically each cycle.
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