Flux gives urgent care centers 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 urgent care centers 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 urgent care centers get paid
Urgent Care Centers 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 urgent care centers
Urgent care collects at registration or not at all: copays and self-pay visit fees run card-present at check-in, and consent to charge the adjudicated balance to the same card is captured in the intake paperwork, because most patients are one-time visitors you will never invoice successfully by mail. Self-pay menus, flat fees for common visits, keep checkout simple during evening and weekend peaks.
Occupational medicine is the other book: employer accounts for physicals, drug screens, and workers compensation visits are invoiced monthly and paid by ACH, settling in one to three business days. Card batches from the clinic floor settle in one to two, including through flu season surges when daily volume multiplies. QuickBooks sync keeps patient revenue and employer-account revenue separate so each side of the business can be read on its own.
What urgent care centers should watch
The card-on-file consent is doing heavy lifting here, so make it explicit: a stated dollar cap, notice before the balance charge runs, and a receipt that references the visit date. Charged correctly, it recovers balances that would otherwise vanish with the patient; charged sloppily, it produces disputes from people who forgot they ever visited. When the adjudicated amount comes in lower than collected, refund the difference without waiting to be asked.
Front-desk turnover is a payments risk in its own right: new staff improvise, and improvisation with cards creates keyed transactions and skipped consents. Hosted fields in origin-isolated iframes under SAQ-D Level 2 PCI DSS keep card data out of your registration systems, which keeps a staffing problem from becoming a data problem. Post the self-pay menu and any pass-through fee disclosure where local surcharging rules allow, visibly, at registration.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume urgent care centers 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 urgent care centers accept payments with Flux?
Urgent Care Centers 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 urgent care centers?
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 urgent care centers 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 save a card at check-in and charge the balance after insurance processes?
Yes, with consent captured in the intake paperwork that states a dollar cap and promises notice before the charge. For a patient population you mostly see once, this is the difference between collecting the adjudicated balance and writing it off.
How do we bill employers for occupational medicine visits?
Run each employer as an invoiced account: visits accumulate, a monthly invoice goes out by email, and the employer pays by ACH, settling in one to three business days. QuickBooks sync keeps employer receivables separate from the patient-facing side of the clinic.
Does seasonal surge volume change our pricing or settlement?
No. Pricing stays flat at 2.9% plus 30 cents per transaction with no minimums or volume commitments, and card batches keep settling in one to two business days through flu season. If sustained volume grows, custom interchange-plus pricing is available.
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