Consumer pass-through is Flux's cash discount program: your card price includes the processing fee, and customers who pay with cash or ACH get a discount. It is not a surcharge, and it is one of several ways Flux lets you structure pricing.
Why businesses use it
Shown clearly
Customers see the card price and the cash discount up front, not buried.
Not a surcharge
A cash discount lowers the price for customers who skip the card, instead of adding a fee to card payments.
Your choice
Use pass-through, flat pricing, or a mix, whatever fits your business.
How it works
You turn pass-through on, your card price includes the processing fee, and customers who pay with cash or ACH get the discounted price. The fee is not deducted from your payout.
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. Turn on consumer pass-through and customers who pay by card cover the processing fee instead.
Frequently asked questions
How does pass-through work?
It's a cash discount program. Your card price includes the processing fee, and customers who pay with cash or ACH get a discount.
Is pass-through a surcharge?
No. A surcharge adds a fee to card payments. A cash discount gives customers a lower price when they pay another way, and cash discounts are treated differently from surcharges.
Do I have to use pass-through?
No. It is one pricing option alongside flat rate pricing, and it isn't available on the Interchange Plus plan. 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. Turn on consumer pass-through and customers who pay by card cover the processing fee instead.