Watch your money move.

The dominant UK card processors advertise 1.5% + 20p headline rates, but effective rates for UK SaaS land between 2.3% and 2.8% once corporate cards, international cards, and dispute fees are added. Fluxa is a flat percentage, full stop. The fee comes back in every API response, the buy-rate breakdown sits in the dashboard on every transaction, and a transparency email at month-end shows what you paid versus what a typical processor would have charged on the same volume.

No. One percentage covers every supported card: UK consumer, UK corporate, international Visa and Mastercard, Apple Pay, Google Pay. Interchange and scheme fees do vary by card type, but those sit inside our buy rate, not on top of your fee. For comparison: Stripe adds 1.0% on EEA cards, 1.75% on non-EEA cards, and 2.0% on currency conversion, all on top of headline. Fluxa adds none of that. Your effective rate on a month with 30% international cards is the same as a month with 0%.

For most UK merchants, flat is simpler and more predictable. Interchange-plus is fairer at scale, but it’s a maths problem most teams don’t want: different rates for premium cards, corporate cards, EEA cards, non-EEA cards, plus scheme fees, plus the processor markup, all reconciled monthly against an invoice you can’t verify. We publish the full buy-rate breakdown so you can audit it line-by-line, then charge a single percentage so you can budget. For merchants above £500k a month, where the maths starts to favour interchange-plus, we offer a bespoke interchange-based rate by arrangement.

Yes. Refund a payment, the Fluxa fee is reversed with it. Full refund, full fee back. Partial refund, pro-rata fee back. Most UK processors keep the fee even when the original transaction is reversed, which quietly turns refunds into a cost centre. We don’t. The dashboard shows the reversed fee on the same line as the refund, the API returns it on the refund object, the month-end statement nets it off.

No. Statement descriptor is your trading name, set during onboarding and editable from the dashboard. Your customers see your business on the receipt, on the card statement, on the email confirmation. Fluxa never appears in the customer-facing path. Branded card-update emails for migrated subscribers come from your domain too. We’re infrastructure, not a brand your customers should ever know.

Fluxa processes payments under an FCA-authorised payments partner. All servers in London, double-entry ledger running independently of the state machine. Card data never touches Fluxa or your servers. Under PFaaS, Fluxa doesn’t hold your funds, settlements go from the payments partner direct to your bank account on the schedule published in your trust ladder.

The payments-partner relationship is the regulated one, and your funds never sat with Fluxa. Under PFaaS, settlements move from the FCA-authorised payments partner direct to your bank, regardless of what happens to us. If Fluxa stopped trading tomorrow, in-flight settlements still complete via the payments partner, your historical data is exportable from the dashboard at any time, and you move to another processor on a clean exit. We don’t hold your money, your customer relationships, or your data hostage.

None. The rate is 1.8% flat for UK businesses, written into your merchant agreement. Pass-through costs are shown clearly where they apply. No per-transaction fee, no monthly minimum, no termination clause.