Pricing

Simple pricing,
no surprises

No hidden fees. No long-term contracts. Choose how processing costs are handled.

No setup fees
Cancel anytime
Volume discounts available
Consumer Pass-Through
2.9% + 30¢paid by your customer
The processing fee is added to your customer's total at checkout, where local surcharging rules allow. Common for B2B and service businesses.
  • Surcharge disclosure and checkout handled for you
  • Credit & debit cards, ACH, stablecoins
  • Full platform access
  • Real-time 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
  • 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 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

$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

Stablecoins

Free (0%)

Accept USDC and other major stablecoins. Payments go directly to your 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.

FAQ

Frequently asked 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 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. The processing fee is not deducted from your payout. 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?

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

Get paid your way.