Flux Payments
Flux Payments combines card, ACH, and stablecoin processing in one platform for businesses, with API access and iOS and web availability.
What Flux Payments is
Flux Payments combines card, ACH, and stablecoin processing in one platform for businesses, with API access and iOS and web availability. A single card integration accepts Visa, Mastercard, American Express, and Discover. Its Flat Rate plan lists a charge of 2.9% + 30¢ per transaction; ACH bank transfers are listed at $5.00 flat, while stablecoin payments are listed as Free (0%). A Consumer Pass-Through plan adds the processing fee to customer checkout where local rules allow. Recurring billing includes automatic retries and dunning emails for failed payments. Flux says card payments typically settle in 1–2 business days, ACH in 1–3 business days, and stablecoins instantly to a wallet. Integrations include QuickBooks Sync, a free WooCommerce plugin, Set Forth, and a GoHighLevel integration marked as in the works. QuickBooks Sync automatically sends and categorizes transactions, invoices, fees, and refunds. Developer tools include SDKs for Node.js, browser, React Native, iOS, and Python, plus a REST API with interactive docs. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Good
- Processes cards, ACH, and stablecoins
- Automatic retries and dunning emails for failed payments
- QuickBooks Sync categorizes transactions and refunds
- Lists SDKs and a REST API
Watch out
- No free plan
- May incur a $20 monthly account fee below $100,000 annual card volume
- GoHighLevel integration is still in the works
Who it suits
Flux Payments suits businesses seeking card, ACH, and stablecoin processing, recurring billing, and accounting integrations. Its API and SDK options may also suit teams integrating payments into their products.
Verdict
Flux Payments brings several payment methods, recurring billing, and developer tools into one platform. Review the transaction rates and possible monthly account fee against your card volume before choosing it.
Plans and prices
From Flux Payments's own pricing page, checked 2 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Consumer Pass-Through | Priced on request | Processing fee added to customer checkout where local rules allow · cards, ACH, and stablecoins · full platform access · may have a $20 monthly account fee below $100,000 annual card volume |
| Flat Rate | Priced on request | Cards, ACH, and stablecoins · full platform access · may have a $20 monthly account fee below $100,000 annual card volume · volume discounts available · 2.9% + 30¢ per transaction |
The facts
Each one read from Flux Payments's own pages, with the date it was checked.
What it does
- ACH fee
- The pricing page lists ACH bank transfers at $5.00 flat.checked 2 Oct 2026
- Card payments
- Flux accepts Visa, Mastercard, American Express, and Discover through one integration.checked 2 Oct 2026
- Developer tools
- Flux lists Node.js, Browser, React Native, iOS, and Python SDKs, plus a REST API with interactive docs.checked 2 Oct 2026
- Fraud detection
- The pricing page describes real-time transaction screening using machine-learning models trained on payment data.checked 2 Oct 2026
- Integrations
- Flux lists QuickBooks Sync, a free WooCommerce plugin, Set Forth, and a GoHighLevel integration marked as in the works.checked 2 Oct 2026
- Intended customers
- Flux describes its platform as payment infrastructure for modern businesses and lists industries including e-commerce, healthcare, SaaS, agencies, contractors, and nonprofits.checked 2 Oct 2026
- Notable limit
- Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.checked 2 Oct 2026
- QuickBooks
- Flux syncs transactions, invoices, fees, and refunds into QuickBooks automatically and categorizes them.checked 2 Oct 2026
- Security
- Flux says it is SAQ-D, PCI DSS Level 2 certified and captures card data in origin-isolated iframes so it does not touch the merchant's servers or domain.checked 2 Oct 2026
- Settlement
- The pricing page says card payments typically settle in 1–2 business days, ACH in 1–3 business days, and stablecoins instantly to a wallet.checked 2 Oct 2026
- Stablecoin fee
- The pricing page lists stablecoin payments as Free (0%).checked 2 Oct 2026
- Support
- Flux says its support team handles technical and account questions by email, while sales replies within one business day.checked 2 Oct 2026
Money
- Billing
- Recurring billing includes automatic retries and dunning emails for failed payments.checked 2 Oct 2026
The company
- Founded
- 2023checked 28 Sep 2026
- Headquarters
- Dover, Delaware, United Stateschecked 28 Sep 2026
Where it runs
- Payment platform
- Flux combines card, ACH, and stablecoin payment processing in one platform.checked 2 Oct 2026
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