Flux gives wholesalers 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 wholesalers 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 wholesalers get paid
Wholesalers 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 wholesalers
Most wholesale money moves on invoices, so ACH does the heavy lifting. A retailer places a pallet-sized order, you invoice on your usual terms, and the buyer pays by bank transfer when it comes due, settling in 1-3 business days. Cards handle the smaller flows: will-call counter pickups, fill-in reorders, and new accounts that have not earned terms yet. Every payment syncs to QuickBooks so your receivables ledger matches your bank without rekeying.
Wholesale demand runs ahead of retail seasons, which means your biggest invoices cluster in the buying windows before holidays and peak weather, then thin out. Flux pricing stays flat at 2.9% plus 30 cents on cards, with custom interchange-plus available once your volume justifies it, and there are no monthly fees on qualifying card volume or minimums to carry through the slow months. Buyers who insist on paying five-figure invoices by card can cover that cost through the pass-through option where local surcharging rules allow.
What wholesalers should watch
A wholesale chargeback is rarely fraud in the retail sense, it is usually a commercial dispute wearing a card network costume: a shortage claim, a damaged pallet, a buyer who wants leverage on a return. Because the tickets are large and the card is almost never present, the paper matters. Keep the signed purchase order, the bill of lading, and the delivery confirmation attached to the payment record, since that is the evidence a dispute response is built from.
ACH removes the chargeback surface but introduces its own timing risk: a bank transfer can still return for insufficient funds days after you released the next order. Watch how quickly terms creep, because a buyer on net 30 who pays on day 45 is financing their shelf with your warehouse. Returns and shortage adjustments are cleaner as credit memos against the next invoice than as card refunds, and QuickBooks sync keeps those credits from getting lost.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume wholesalers 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 wholesalers accept payments with Flux?
Wholesalers 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 wholesalers?
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 wholesalers 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 our retail buyers pay large invoices by ACH instead of card?
Yes, and for pallet-sized invoices ACH is usually the right rail. The buyer pays by bank transfer and funds settle in 1-3 business days. Many wholesalers reserve cards for counter sales and accounts that have not yet earned terms.
Can we pass the card fee through when a buyer insists on paying a big invoice by card?
Flux supports a pass-through option where local surcharging rules allow it, so the buyer covers the 2.9% plus 30 cents on the ticket instead of you. Confirm the rules that apply in your buyer's state before turning it on.
Does Flux work with net terms billing, or only payment at order?
You set the terms, Flux handles the collection. Issue the invoice on net 15, net 30, or whatever you extend, and the buyer pays by ACH, card, or stablecoin when it comes due. The payment then syncs to QuickBooks against the open invoice.
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