Payment infrastructure for

Accept cards, ACH, and stablecoins in one platform. Drop-in PCI-compliant fields, AI-powered insights, and real-time settlement.

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Trusted by businesses across every industry
E-commerce Healthcare SaaS Agencies Contractors Nonprofits Retail Hospitality
Typical Processor
Flux
Delayed payouts
Same-day settlement
Weeks to go live
Live the same day
Cards only
Card, ACH & stablecoins
Long-term contracts
Cancel anytime
Ticket-only support
Real team, real review
Merchant handles PCI
Full PCI coverage
SAQ-D · PCI DSS Level 2
Customer
Isolated iframe
Flux
Never your server
Your bank
Card data is captured in origin-isolated iframes, it never touches your servers or domain.
How It Works

Built for how your business actually gets paid

Whether you're billing a client, running a store, or charging monthly, Flux fits the way you work.

Services

Job done. Get paid in minutes.

You finished the work. The last thing you want is to chase down a check. Send a payment link or invoice in seconds, your client pays from their phone, no account needed.

  • 1
    Send a payment link or invoice, 30 seconds to create a payment link, branded with your logo and company name
  • 2
    Client pays by card, ACH, or stablecoins, no login, no app, one click
  • 3
    Funds settle to your bank, every transaction tracked live in your dashboard the moment it processes
Get Started
Flux Payment Solutions
sales@fluxpayments.com
Customerjames.will@acme.com
NameJames Will
CurrencyUSD
4,770.00 USD
Website Redesign
Qty 1
4,500.00 USD
Subtotal4,500.00 USD
Tax (6%)270.00 USD
Total4,770.00 USD
Choose Payment Method
CARD
ACH
CRYPTO
CARD NUMBER
1234 1234 1234 1234
EXPIRATION
MM / YY
CVC
123
FIRST NAME
James
LAST NAME
Will
I agree to the Terms, Refund Policy, and Privacy Policy
E-commerce

Every way a customer wants to pay, accepted.

Drop Flux into your checkout in a single afternoon. Card data never touches your server, PCI-compliant hosted fields handle it. Cards, ACH, and stablecoins all in one integration.

  • 1
    Customer reaches checkout, hosted fields load instantly, fully branded
  • 2
    They pay by card, bank transfer, or stablecoins, fraud screening runs in real time
  • 3
    Order confirmed, funds on the way, inventory and QuickBooks update automatically
Get Started
Your Store
shop@yourstore.com
Customersarah@email.com
CurrencyUSD
AddressSan Francisco, CA
134.53 USD
Premium Bundle
Qty 1
125.00 USD
Subtotal125.00 USD
Tax (4%)5.00 USD
Total130.00 USD
Choose Payment Method
CARD
ACH
CRYPTO
CARD NUMBER
4242 4242 4242 4242
EXPIRATION
08 / 27
CVC
•••
FIRST NAME
Sarah
LAST NAME
Connor
I agree to the Terms, Refund Policy, and Privacy Policy
Subscriptions & SaaS

Set it up once. Get paid every month.

Recurring billing that runs itself. Automatic retries on failed payments, smart dunning emails, and proration handled automatically, so you focus on the product, not the billing.

  • 1
    Customer subscribes, card saved securely, billing starts immediately
  • 2
    Flux charges automatically, on schedule, every cycle, no action needed
  • 3
    Failed payment? Handled, auto-retry and dunning email sent within minutes
Get Started
Flux Payment Solutions
sales@fluxpayments.com
Customerjames.will@acme.com
PlanPro Monthly
CurrencyUSD
299.00 USD / mo
Pro Plan, Monthly
Renews Apr 1, 2026
275.00 USD
Subtotal275.00 USD
Tax (4%)11.00 USD
Total286.00 USD
Choose Payment Method
CARD
ACH
CRYPTO
CARD NUMBER
•••• •••• •••• 4242
EXPIRATION
12 / 28
STATUS
Active
NEXT CHARGE
Apr 1, 2026
AUTO-RETRY
Enabled
I agree to the Terms, Refund Policy, and Privacy Policy
Enterprise

High volume. Custom needs. We'll build it with you.

Processing significant volume, need a tailored integration, or have compliance requirements that go beyond the standard setup? Our engineering and sales team will work with you directly to build the right solution.

  • 1
    Tell us about your business, volume, use case, any technical or compliance requirements
  • 2
    We scope a solution together, custom rates, dedicated integration support, tailored onboarding
  • 3
    Go live with a setup built for you, not a one-size-fits-all plan
Talk to Sales
What enterprise clients get
Custom interchange-plus pricing
Negotiated rates based on your volume and industry
Dedicated engineering support
Direct access to our team throughout integration and beyond
Compliance & risk consultation
PCI scoping, KYC requirements, and industry-specific guidance
Schedule a Call with Our Team
Features

Everything you need to get paid

Cards, bank transfers, and stablecoins in one platform. No juggling multiple providers.

Cards, ACH & Stablecoins

Accept Visa, Mastercard, Amex, Discover, bank transfers via ACH, and stablecoin payments on Solana, Ripple, and Bitcoin, all from a single integration point.

Visa & Mastercard ACH Stablecoins Stablecoins

AI Tools Trained on Your Data

An AI assistant that knows your business. Ask about revenue trends, customer behavior, and product performance. Get actionable insights and automate workflows from the dashboard.

Daily Insights 16 Reports Chat Interface

Invoicing & Payment Links

Send branded invoices and shareable payment links. Customers pay in one click with no account required. Email verification, shipping capture, and auto invoice generation.

Branded Invoices One-Click Pay No Account Needed

PCI-Compliant Hosted Fields

Origin-isolated iframes keep card data off your servers. PCI DSS Level 2 SAQ-D compliant.

Recurring Billing

Subscriptions with automatic retries, proration, and dunning management built in.

Real-Time Dashboard

Live transaction feeds, WebSocket events, and 16 detailed reports with CSV + PDF exports.

QuickBooks Sync

Automatic two-way sync. Transactions, invoices, fees, and refunds fully reconciled.

Inventory Management

Track stock levels, get low-inventory alerts, and manage your product catalog in one place.

Customer Management

Full customer profiles with transaction history, spend totals, and saved payment methods.

Flux AI
Active
AI-Powered

Your AI business advisor

A chatbot trained on your merchant data that actually helps you run your business. Ask anything about revenue, customers, invoices, or products, and get real answers, not generic advice.

  • Chat with an AI that knows your full transaction history
  • Daily, weekly, and monthly insights delivered automatically
  • 16 detailed reports, revenue, tax, refunds, inventory & more
  • Create invoices, support tickets, and workflows from chat
Industries

Built for how your industry gets paid

From the courtroom to the kitchen, 181 industries run their payments on Flux.

Law FirmsRestaurantsOnline StoresReal EstateDental PracticesHVAC CompaniesGymsNonprofitsSaaS CompaniesAuto RepairTravel AgenciesWholesalers
Explore all 181 industries
FAQ

Common questions

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

How much does Flux Payments cost?

Flux is a flat 2.9% plus 30 cents per transaction. You can also pass the processing fee to your customer at checkout where local rules allow. Higher volume merchants can get custom volume pricing, and there are no setup fees, monthly fees, or contracts.

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.

What is Consumer Pass-Through pricing?

With Consumer Pass-Through, the processing fee is added to the customer's total at checkout, the processing fee is not deducted from your payout. We handle the disclosure and checkout UI automatically. Fully compliant in most US states.

Are there any setup fees or monthly fees?

No setup fees, no monthly fees, no cancellation penalties, and no minimums. You only pay (or pass through) a fee when a transaction processes.

How quickly do funds settle?

Card payments settle within 1-2 business days. ACH transfers settle in 1-3 business days. Stablecoin payments go directly to your wallet instantly.

Is Flux PCI compliant?

Yes, SAQ-D Level 2 PCI DSS certified. Card data is captured inside origin-isolated iframes hosted on payments.fluxpayments.com and never touches your servers, dramatically reducing your PCI scope and liability.

Can I negotiate rates for higher volume?

Yes. If you're processing significant volume we can offer custom interchange-plus pricing. Reach out to sales and we'll build a proposal around your volume and industry.
Resources

Payments, explained

Flux

How we simplified payments for a real estate brokerage

A look at how we approach real estate payment processing when the money moves in large, irregular amounts and the paperwork has to match.

Jul 31, 2026Flux

Instant payouts with Visa Direct: how merchants get paid in seconds

Push-to-card moves money to a debit card in seconds. Here is how Visa Direct instant payouts work and where they fit.

Jul 24, 2026Flux

How Flux handles high-risk merchants others turn away

Being labeled high-risk is often about category, not conduct. Here is how we think about high-risk merchant processing.

Jul 17, 2026
Explore resources

Get paid your way.

Start accepting payments today

Join businesses using Flux Payments for faster settlement and volume-based pricing.

Schedule a Demo Go to Dashboard