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Pricing

Simple pricing,
no surprises

No hidden fees. No long-term contracts. Choose how processing costs are handled and scale as you grow.

No setup fees
No monthly minimums
Cancel anytime
Volume discounts available
Most Popular
Consumer Pass-Through
0% for you
Processing fees are passed to the customer at checkout. You keep 100% of every sale.
  • Zero processing cost to you
  • Credit & debit cards, ACH, crypto
  • Full platform access
  • Real-time settlement
  • AI-powered business insights
  • Volume discounts available
Get Started — It's Free
Flat Rate
2.9% + 30¢
Simple, predictable pricing. You absorb the processing fee for a seamless customer experience.
  • Predictable per-transaction cost
  • Credit & debit cards, ACH, crypto
  • Full platform access
  • Real-time settlement
  • AI-powered business insights
  • Volume discounts available
Get Started

Both plans include the full Flux platform. Rates negotiable on volume — contact sales.

Payment Methods

Every way to pay, covered

Accept cards, ACH bank transfers, and crypto in one unified integration.

Credit & Debit Cards

2.9% + 30¢

Visa, Mastercard, Amex, Discover, and more. Card data never touches your server — PCI-compliant hosted fields handle everything.

SAQ-D Certified

ACH Bank Transfer

$5.00 flat

Simple flat fee for bank-to-bank transfers. Ideal for large B2B transactions, subscriptions, and customers who prefer direct bank payments.

Faster Settlement

Crypto & Stablecoins

Free (0%)

Accept Bitcoin, Ethereum, USDC, and other major cryptocurrencies. Payments go directly to your crypto wallet.

Instant Settlement

Rates shown are for the Flat Rate plan. On Consumer Pass-Through, these fees are passed to the customer — you pay nothing.

Every Plan

Everything included, always

No feature tiers. No add-ons. Every feature ships to every account on day one.

PCI-Compliant Hosted Fields

Drop-in iframes keep card data off your servers entirely. SAQ-D Level 2 certified.

AI Business Advisor

Chat with an AI trained on your transaction data for real answers about your revenue and customers.

Real-Time Settlement

Funds move faster than traditional processors. Monitor every transaction in the live dashboard.

16 Detailed Reports

Revenue, tax, refunds, inventory, chargebacks, and more — all auto-generated and downloadable.

Fraud Detection

Real-time screening on every transaction with machine learning models trained on payment data.

Developer SDK

Node.js, Browser, React Native, iOS, and Python SDKs. Full REST API with interactive docs.

Subscription & Recurring Billing

Set up recurring charges, trial periods, and automated retry logic for failed payments.

Webhook & Event System

Real-time event notifications for every payment, refund, dispute, and settlement to your endpoints.

Dedicated Support

Real humans available by email and chat. No bots, no ticket queues for billing questions.

Savings Calculator

See what you're leaving on the table

Enter your monthly volume and see how much you'd keep with Flux vs. traditional processors.

$25,000
$1K$125K$250K$375K$500K
Drag to adjust your monthly volume
Stripe / Square
2.9% + $0.30 per transaction
$725.00
Monthly fees (est.)
vs
Flux Payments
0% processing fees
$0.00
Monthly fees
You save every month $725.00
That's $8,700 back in your pocket every year.
Start Saving Now
FAQ

Frequently asked questions

Still have questions? Contact our team — we reply fast.

What exactly is Consumer Pass-Through pricing?
With Consumer Pass-Through, the processing fee (e.g. 2.9% + 30¢) is added to the customer's total at checkout — similar to how a surcharge works. Your business keeps 100% of the sale price. This is fully compliant in most US states and many countries. We handle the disclosure and checkout UI automatically.
Are there any setup fees or monthly fees?
None. There are no setup fees, no monthly platform fees, no minimum transaction requirements, and no cancellation penalties. You only pay (or pass through) a fee when a transaction is processed.
Can I negotiate rates for high volume?
Yes. If you're processing significant volume we can offer custom interchange-plus pricing. Reach out to sales and we'll put together a proposal based on your monthly processing volume and industry.
How quickly do funds settle to my bank account?
Card payments typically settle within 1–2 business days. ACH transfers settle in 1–3 business days. Crypto payments go directly to your crypto wallet instantly.
Is Flux PCI compliant? What does that mean for me?
Yes. Flux uses SAQ-D Level 2 PCI DSS certified hosted fields. Card data is captured inside origin-isolated iframes hosted on payments.fluxpayments.com — it never enters your domain or touches your servers. This dramatically reduces your PCI scope and liability.
Can I switch plans later?
Absolutely. You can switch between Consumer Pass-Through and Flat Rate at any time from your dashboard with no fees or downtime. The change takes effect on your next transaction.

Start accepting payments today

Join businesses using Flux Payments for faster settlement and lower fees.

Schedule a Demo Go to Dashboard

Stop paying to get paid.