Pricing

Simple pricing,
no surprises

No hidden fees. No long-term contracts. Three ways to handle processing costs.

Highly regulated industries may have a volume-based setup fee, which can be waived on volume
Cancel anytime
Volume discounts available
Consumer Pass-Through
Customers pay
A cash discount program: your card price includes the processing fee, and customers who pay with cash or ACH get a discount. Common for B2B and service businesses.
  • Cash discount pricing and disclosure handled for you
  • Credit & debit cards, ACH, stablecoins (0.5%)
  • Full platform access
  • Predictable settlement
  • AI-powered business insights
  • Volume discounts available
Get Started
Flat Rate
2.9% + 30¢
One flat rate. No surprises at checkout for you or your customers.
  • Predictable per-transaction cost
  • Credit & debit cards, ACH, stablecoins (0.5%)
  • Full platform access
  • Predictable settlement
  • AI-powered business insights
  • Volume discounts available
Get Started
Interchange Plus
IC + 1%
The card networks' interchange rate, passed through at cost, plus a flat 1%. You see what every card actually costs.
  • Interchange passed through at cost
  • Credit & debit cards, ACH, stablecoins (0.5%)
  • Full platform access
  • Predictable settlement
  • AI-powered business insights
  • Volume discounts available
  • Cash discount not available
Get Started

All three plans include the full Flux platform. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. Rates negotiable on volume, contact sales. See how Flux compares to other processors.

Payment Methods

Every way to pay, covered

Accept cards, ACH bank transfers, and stablecoins 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

Custom pricing

Priced case by case for your business and volume. Ideal for large B2B transactions, subscriptions, and customers who prefer direct bank payments.

Faster Settlement

Stablecoins

0.5% per transaction

Accept USDC and other major stablecoins, paid directly to your wallet. For businesses with at least $50,000 a month in stablecoin volume.

Instant Settlement

Card rates shown are for the Flat Rate plan, ACH is quoted per business, and stablecoins are 0.5% on every plan. On Interchange Plus, card payments are interchange + 1%. On Consumer Pass-Through, a cash discount program, customers who pay by card cover the processing fee.

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.

Predictable 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.

FAQ

Frequently asked questions

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

How much does Flux Payments cost?

Card payments are a flat 2.9% plus 30 cents per transaction, or interchange plus 1% if you'd rather pay the card networks' actual cost plus a fixed markup. Stablecoin payments are 0.5% (50 basis points) per transaction, for businesses with at least $50,000 a month in stablecoin volume. You can also run a cash discount program, so customers who pay by card cover the processing fee. Higher volume merchants can get custom volume pricing, and there are no contracts. Highly regulated industries may have a volume-based setup fee, which can be waived on volume. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.

When was Flux Payments founded and where is it based?

Flux Payments was founded in 2023 and is based in Dover, Delaware.

Which stablecoins and networks does Flux support?

Flux accepts stablecoins on the Solana and Ripple (XRP Ledger) networks, covering the leading stablecoins across both networks. Stablecoin payments settle to your wallet instantly.

How much do stablecoin payments cost?

Stablecoin payments are 0.5% (50 basis points) per transaction on every plan. They are available to businesses with at least $50,000 a month in stablecoin volume.

What exactly is Consumer Pass-Through pricing?

Consumer Pass-Through is a cash discount program, not a surcharge. Your card price includes the processing fee (e.g. 2.9% + 30¢), and customers who pay with cash or ACH get a discount. The processing fee is not deducted from your payout, and we handle the pricing display and disclosure automatically. Cash discount isn't available on the Interchange Plus plan.

Are there any setup fees or monthly fees?

Highly regulated industries may have a volume-based setup fee, which can be waived on volume. There are no cancellation penalties, and no minimums except for stablecoin payments, which need at least $50,000 a month in stablecoin volume. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. Beyond that you only pay (or pass through) a transaction fee when a payment is processed.

Can I negotiate rates for high volume?

Yes. Interchange Plus at interchange + 1% is a standard plan, and if you're processing significant volume we can offer a custom interchange-plus rate. 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 3-5 business days. Stablecoin payments go directly to your 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 volume-based pricing.

Schedule a Demo Go to Dashboard