Flat-fee card processing with no hidden charges. Every payment moves through explicit states you can see, track, and audit. Customers pay normally. You know exactly where every penny is.
A flat percentage. Nothing else. No per-transaction fixed fee, no cross-border uplift, no monthly minimum, no surprise add-ons. The number on the tin is the number you pay.
Founding merchant rate. Invite-only. Locked for 12 months from go-live.
Standard rate after founding period. Same terms, same transparency.
Stripe UK charges 1.5% + 20p per transaction. But the actual cost after surcharges, international card fees, and add-ons typically lands between 2.3% and 2.8% for UK SaaS businesses. That gap is real money. Send us a screenshot of your Stripe fees page for any month and we will calculate your effective rate.
Send us your Stripe fees screenshotFast, clean, familiar. Card details, Apple Pay, Google Pay. No account creation, no redirects, no friction. Your brand colours. Conversion-optimised by default.
Fluxa sits between payment collection and business payout. Every stage of money movement is explicit, logged, and visible to operators in real time.
Familiar checkout. No account creation. Visa and Mastercard accepted. Apple Pay and Google Pay supported.
Money moves through states you cannot skip. Every step is logged to a timeline with operator identity attached.
Approve settlement, queue payout, mark sent. Deliberate actions, clear trail, concurrent safety built in.
Infrastructure that helps businesses control money movement properly. Built for SaaS, digital products, and any company where payment reliability is non-negotiable.
Fast, clean, conversion-optimised. Visa, Mastercard, Apple Pay, Google Pay. No Fluxa account needed for customers.
Seven money states, each enforced and logged. Received, controlled, approved, queued, completed, refunded, failed.
Token-based auth, session management, role-based access. Every action tied to an operator identity in the audit trail.
Full refund flow with reason tracking and double-refund protection. Cannot refund after payout. Every refund logged.
Intelligent monitoring watches for unusual patterns, failed settlements, stuck payouts. Surfaces issues before operators notice.
Every action logged with operator IDs, timestamps, and a complete timeline. Reconciliation trivial. Disputes easy to resolve.
Bank-grade idempotency. Multiple operators can approve simultaneously, only one payout executes. Proven under race conditions.
Preview any dangerous action before committing. See exactly what will change without touching the database.
Every API call tracked with a unique request ID. Full correlation from checkout creation to payout completion.
Revenue, payouts, trust score, AI insights, and every transaction. All in one place. Answer any question within 10 seconds of opening the dashboard.
One valid action at a time. Fluxa does not let you skip steps. Seven explicit states, each transition enforced, logged, and permanent.
Most payment systems treat money as "in" or "out." That is where mistakes hide. Fluxa forces every stage to be acknowledged, making reconciliation trivial and disputes easy to resolve.
1,325 automated tests across 16 test suites verify every state transition, every guard, every edge case, and concurrent race conditions. The state machine is proven in code, not promised in a pitch deck.
Every layer of Fluxa is hardened. Automation surfaces issues. Humans approve money movement. No mystery decisions.
Token-based authentication. Session invalidation on logout. Operator identity tied to every action in the audit trail.
Per-operator and per-endpoint rate limits. Prevents abuse, brute force, and runaway automation. Returns clear error codes.
If an external service fails, Fluxa stops retrying and fails safely. No silent errors. No cascading failures.
We are onboarding founding merchants now. Drop your email and we will reply personally. No pitch deck, no demo booking form. Just a conversation about your payments.