Flux ACH lets you pull payments straight from a customer's bank account, which fits large invoices, retainers, rent, and recurring bills where per-transaction card economics do not. ACH runs through the same integration as cards and stablecoins, and transfers settle in one to three business days.
Why businesses use it
Built for large payments
Route big invoices, retainers, and recurring bills over ACH instead of paying card rates on every dollar.
One integration
ACH shares the same hosted fields, dashboard, and API as cards and stablecoins.
Clean records
Every ACH payment reconciles in your dashboard and QuickBooks with no retyping.
How it works
Collect a customer's bank details once through hosted fields, then charge or schedule ACH payments from the dashboard or the API. Funds settle in one to three business days and reconcile automatically in your books.
Simple, transparent pricing
Flux charges 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.
Frequently asked questions
What is ACH good for?
Large invoices, retainers, rent, and recurring bills, where the per-transaction economics beat cards.
How long does ACH take to settle?
ACH transfers settle in one to three business days.
What does ACH cost?
Flux charges 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.