Flux works with high-risk and specialty merchants like web3 businesses, with cards, ACH, and stablecoins through one integration and a real team that reviews the account rather than an automated no.
Why web3 businesses choose Flux
A real underwriting review
Web3 Businesses 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 web3 businesses get paid
Web3 Businesses 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 Web3 businesses
Web3 companies are usually selling ordinary things, infrastructure, tooling, development work, subscriptions, to customers who often prefer paying in stablecoins. Flux treats that preference as a first-class rail: invoices and checkouts can accept stablecoins on Solana and on Ripple's XRP Ledger, settling instantly to your merchant wallet. Cards and ACH sit alongside for the customers who pay like any other business, all through one REST API and one reconciliation feed.
A common split: recurring SaaS-style card billing for smaller accounts, ACH or stablecoin invoices for larger contracts, and stablecoin settlement for international clients where wire cost and delay make bank rails painful. Because stablecoin payments land in your wallet the moment they confirm, cross-border receivables stop being a waiting game. QuickBooks sync records every payment regardless of rail, which keeps your books legible to accountants and auditors who do not care about networks.
What Web3 businesses should watch
The friction is usually the card side, not the stablecoin side. Acquiring banks read the category cautiously, so describe precisely what you sell during underwriting: a company selling developer tooling is a software business, and letting your application read as something vaguer invites the wrong classification. Keep the line clean in your product too. Flux processes payment for goods and services. It is not a venue for exchanging or trading digital assets.
The two rails also fail differently. Card payments can be disputed for months after the fact. Stablecoin settlement is final when it confirms, with no chargeback mechanism, which changes your refund posture from defensive to purely policy-driven. Write a refund policy that covers finality explicitly so customers know what final means before they pay. And treat wallet operational security as seriously as your API keys, because instant settlement means funds are yours, and only yours, immediately.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume web3 businesses 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 web3 businesses accept payments with Flux?
Web3 Businesses 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 web3 businesses?
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 web3 businesses 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.
Which networks can my customers pay stablecoins on?
Flux supports stablecoin payments on Solana and on Ripple's XRP Ledger, settling instantly to your merchant wallet. Card and ACH acceptance run through the same account for customers who prefer conventional rails.
Do stablecoin payments carry chargeback risk?
No, stablecoin settlement is final once confirmed, so there is no dispute mechanism equivalent to a card chargeback. Refunds on that rail happen only when you choose to send one under your own policy.
Will a Web3 company pass underwriting for card processing?
Yes, when the business sells identifiable goods or services such as software, infrastructure, or development work. Be specific about the offering in your application. Flux processes payments for products, not the exchange or trading of digital assets.
Ready to get web3 businesses paid with Flux?
Cards, ACH, and stablecoins in one platform. Apply in about two minutes.
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