See how Flux Payments' flat-rate pricing, card/ACH/stablecoin support, and built-in billing tools compare before you sign up. Features, pricing, and FAQs…
Flux Payments is a payment infrastructure platform, founded in 2023 and based in Dover, Delaware, that lets businesses accept cards, ACH bank transfers, and stablecoins (USDC on Solana and Ripple) through a single API. Its hosted, PCI-compliant payment fields keep raw card data off the merchant's servers, using origin-isolated iframes and tokenization, and the company states it holds SAQ-D Level 2 PCI DSS certification.
Beyond raw processing, Flux bundles the operational tools a growing business needs: recurring billing with automatic retries and dunning, branded invoicing and shareable payment links, instant payouts via Visa Direct, inventory tracking, a QuickBooks sync, a WooCommerce plugin, and a real-time dashboard with AI-generated daily insights and reporting. Fraud detection is built into the transaction flow to score and block risky payments.
On pricing, Flux offers a flat-rate plan (2.9% + 30 cents per card transaction, $5.00 flat for ACH, and 0% for stablecoin payments) plus an optional consumer pass-through plan that adds the processing fee to the customer's total at checkout where legally permitted. There are no setup fees or cancellation penalties, though accounts processing under $100,000 per year may see a $20 monthly account fee; higher-volume merchants can request custom pricing. Onboarding is described as a roughly two-minute application reviewed by a real person, with typical go-live in two to three business days. The company says it supports businesses across a wide range of verticals, from e-commerce and SaaS to healthcare, real estate, nonprofits, and agencies.