Flux works with high-risk and specialty merchants like subscription services, with cards, ACH, and stablecoins through one integration and a real team that reviews the account rather than an automated no.
Why subscription services choose Flux
A real underwriting review
Subscription Services get a real team looking at the account, not an automated decline.
More than one rail
Cards, ACH, and stablecoins through one integration so you are not dependent on a single method.
Full PCI coverage
Card data is captured in origin-isolated iframes with SAQ-D Level 2 PCI coverage.
How subscription services get paid
Subscription Services often need more than one rail, cards for reach, ACH for larger amounts, and stablecoins where it fits, and Flux runs all three through one integration.
A typical Flux setup for subscription services
The core loop is a card on file charged on a fixed cycle, created once through hosted fields and then billed through the REST API on whatever schedule your plans define: monthly, annual, seat-based, or usage-billed in arrears. Annual and enterprise deals tend to move off cards entirely, paid by ACH invoice, and customers operating internationally sometimes settle in stablecoins, which arrive in your wallet instantly instead of riding bank rails.
Upgrades, downgrades, and proration live in your code, and the API is built to be driven that way: change the amount, the cycle, or the payment method on an existing subscriber without re-collecting card details. Settlement in 1 to 2 business days for cards keeps monthly recognized revenue and monthly cash roughly in step, and QuickBooks sync carries each charge over with enough detail to keep deferred revenue schedules honest.
What subscription services should watch
Involuntary churn is the quiet leak: cards expire, get reissued after fraud, or simply decline on renewal day, and every failed renewal is revenue you already earned walking out the door. Build your retry logic deliberately through the API, spacing attempts across days rather than hammering the same card, and route high-value accounts to a human before cancellation. ACH for annual contracts sidesteps the expiration problem entirely.
The dispute pattern is the forgotten subscription: a charge from a service someone stopped using months ago reads as fraud to them. A recognizable statement descriptor, a receipt on every renewal, and cancellation that works in two clicks are worth more than any dispute response you will ever write. Regulators are moving the same direction with negative option and click-to-cancel rules, so easy cancellation is becoming a legal requirement, not just good hygiene.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume subscription 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 subscription services accept payments with Flux?
Subscription 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 subscription 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 subscription 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.
Can I run monthly, annual, and usage-based plans on one integration?
Yes, billing schedules and amounts are controlled through the REST API, so mixed plan types and mid-cycle proration are your code's decision rather than a platform constraint. One integration covers cards, ACH, and stablecoin settlement.
What happens when a subscriber's card fails on renewal?
The charge declines and your system decides what happens next: retry timing, dunning emails, and grace periods are all driven through the API. Spacing retries over several days recovers more than immediate re-attempts.
Do I have to store card numbers to bill subscribers every month?
No. Card details are captured once in hosted fields inside origin-isolated iframes, so raw numbers never touch your servers, and you charge the stored payment method by API reference. Flux maintains SAQ-D Level 2 PCI DSS compliance for the card data itself.
Ready to get subscription services paid with Flux?
Cards, ACH, and stablecoins in one platform. Apply in about two minutes.
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