Fluxa

Payment infrastructure for businesses that want to see where their money is. 1.8% flat. AI-powered ops. Building in public.

[Fluxa @fluxapay]

UK card processing is about to get honest.

One flat rate. 1.8% on every transaction, for every UK business. No tiers, no add-ons, no fees hiding in the statement.

Change is coming. Website link in our bio.

[Fluxa @fluxapay]

Pending is not an answer. It is the industry telling you it has your money and would rather not be specific.

Fluxa uses six payment states and shows the current status and recorded history of every payment attempt, so the question does not need a phone call.

Built. Live soon.

[Fluxa @fluxapay]

Queue is open. It exists because we have not launched, not because we are rationing anything.

There is a queue because we have not opened yet. Nobody is standing at the door with a clipboard.

When we open, the queue goes first, and Paul walks each first-cohort merchant through the platform himself.

At £33 or less, Fluxa's planned price is lower than every product in the named set, whatever cards you take. Above roughly a third of cards being commercial, European or international, Fluxa is cheaper at any sale value. Their rate moves with the card type. Ours does not. Named set and card-type rates checked 24 July 2026, full method published.

Be first through the door.

[Fluxa @fluxapay]

Fluxa is a UK card payments platform launching soon.

One planned rate of 1.8% across supported card types, no added pence fee, and a dashboard that shows the current status and recorded history of every payment attempt.

Everything we publish will carry its source and its date. Where something is planned rather than built, it will say so.

Early access opens this week.

[Fluxa @fluxapay]

You almost scrolled past roughly a year's savings by switching to us.

Most of the feed deserves scrolling past, this one doesn't.

1.8% flat. Worth stopping for.

[Fluxa @fluxapay]

You can watch a kebab cross town in real time.

A little car on a map, arrival to the minute, updates if the driver so much as pauses.

Your £4,000 settlement, meanwhile, no map, no car, no word.

We fixed it. Fluxa tracks every payment like your takeaway order.

[Fluxa @fluxapay]

1.8% flat. Every card. No pence added.

Here's what that saves you, line by line.

Fixed fee per sale: others 20p to 30p, vs Fluxa £0
Corporate card: others 1.9% to 2.9%, vs Fluxa 1.8%
European card: others 2.5%, vs Fluxa 1.8%
International card: others 3.25%, vs Fluxa 1.8%
Currency conversion: others +2%, vs Fluxa £0
Recurring billing: others +0.7%, vs Fluxa included
Invoicing: others 0.4% per invoice, vs Fluxa included
A dispute lands: others £20, kept even if you win, vs Fluxa £0
Losing a dispute: others up to £40 in fees, vs Fluxa the scheme's ~£15 at cost, no markup
AI dispute evidence: others 30% of what you win, vs Fluxa included
Fraud rules: others 2p per screened sale, vs Fluxa included
A refund: others keep the original fee, vs Fluxa it all comes back
Monthly, gateway, PCI, minimum: others £40 to £75 a month, vs Fluxa £0
Reserves: others 5% to 25% held for 6 months, vs Fluxa £0
Leaving: others the rest of an 18 to 48 month contract, vs Fluxa whenever you like
Real numbers. £50k a month, normal card mix, subscriptions on: others 2.80%, vs Fluxa 1.80%. About £6,000 a year.

Two you can't buy anywhere:
Watch your money move through six live states.
A Verified Commercial Identity your bank can check.

Under £30 a sale, nobody is cheaper.

[Fluxa @fluxapay]

Leaving a provider gets talked about like a divorce.

Paperwork, stress, a drawn-out process, the sense someone will end up worse off.

It really is not that, it's a switch.

We move everything for you. No mountain of forms and no dividing the assets.

[Fluxa @fluxapay]

Most payment pricing looks simple from a distance. Then you get closer. The percentage becomes a percentage plus 20p, corporate cards cost more, European cards cost more, subscriptions cost more, disputes cost more.

We counted 65 points of difference in the published UK rate cards. A few of them:

Fixed fee per sale: others 20p to 30p vs Fluxa: £0

Corporate cards: others 1.9% to 2.9% vs Fluxa: 1.8%

European cards: others 2.5% vs Fluxa: 1.8%

International cards: others 3.25% vs Fluxa: 1.8%

Recurring billing: others +0.7% vs Fluxa: included

Fraud rules: others charged per transaction vs Fluxa: included

We modelled £50,000 a month on a normal 70/30 card mix.

Gentle case, £100 average sale, subscriptions and fraud rules on: 2.80%, vs Fluxa 1.80%. About £6,000 a year.

Everything on. £10 average sale, subscriptions, currency conversion, fraud rules, 25 disputes, reporting, instant access to funds: 7.02%, vs Fluxa 1.80%. £3,509 a month against £900. Over £31,000 a year, on the same sales.

Fluxa is 1.8% across supported card types, with no pence fee. That's the whole invoice. And you watch every payment move through six clear states, with a Verified Commercial Identity a bank or lender can check.

All figures from published UK rate cards, checked 20 July 2026.

[Fluxa @fluxapay]

A 20p fee on a £5 sale is 4% before the percentage fee is added.

That's why fixed fees hit small orders so hard.

£3 sale: others up to 9.73%, vs Fluxa 1.80%
£5 sale: others up to 6.40%, vs Fluxa 1.80%
£10 sale: others up to 3.90%, vs Fluxa 1.80%
£20 sale: others up to 2.65%, vs Fluxa 1.80%

On sales below £30, Fluxa is cheaper than every processor we checked that is available without a contract, monthly fee or volume commitment.

1.8%. No pence added.

[Fluxa @fluxapay]

For decades the deal was simple. You handed your payments to a processor and accepted you'd never fully understand your rates, never see where your money was, never know exactly when you'd be paid, and might be frozen out with no explanation. Nobody signed up for that. It came as standard.

That trade is ending. Once a processor shows you every payment from the second it's taken to the moment it lands, "trust us, the number is right" stops being good enough for anybody.

We're building for the market where merchants expect to see everything. We might be early, we don't think we're wrong.

[Fluxa @fluxapay]

The scariest number in subscriptions isn't churn. It's the customers who never meant to leave.

A card expires, the retry fails once, and someone who'd have happily kept paying is gone. The industry calls it involuntary churn, which makes it sound like weather.

It's a solved problem most platforms can't be bothered to fix. So we fixed it.

[Fluxa @fluxapay]

Introducing Tom, the AI operator at Fluxa, who has become an essential part of our platform.

Tom performs two key roles: merchant support and operations console management. Unlike a typical chatbot, he handles real tasks effectively.

For merchants, Tom provides answers to payment, fee, and settlement inquiries, tracks funds across all six states, guides users through refunds and disputes, and escalates issues to the team when human intervention is necessary.

Behind the scenes, Tom utilises 145 tools, with 48 mapped directly to the admin console buttons. His engineering flexibility ensures that every action is risk-tiered. He is aware of which routes he cannot access, maintaining compliance and underwriting integrity. A separate critic model audits each action before execution, leaving an auditable receipt for every transaction. Additionally, he can roll back 15 actions autonomously and operates on 15-minute shift sweeps on a cron schedule.

Everything is gated with a 7-point self-check before each deployment, and 46 of 48 actions are contract-tested. A build gate ensures that any button lacking Tom's capability fails the process.

Guardrails come first, followed by the operator. Tom is ready to assist.

[Fluxa @fluxapay]

It takes your money and goes quiet on where it went, it swore you were on one rate then charges you another, and leaving is such a faff you keep not bothering.

If a mate described a relationship like that, you would know exactly what to tell them.

Fluxa is the fresh start, and we help you move out.

[Fluxa @fluxapay]

Add up what you truly pay to take cards. Every fee, every line, across a full year. Then set it against a flat 1.8%.

We are not going to tell you what you will find, because your numbers are yours. But in our experience, that sum tends to end the conversation. Our website calculator does it for you.

[Fluxa @fluxapay]

The Fluxa Platform is live in build.

Run software or a marketplace that other businesses sell through? You can now offer them payments, earn a share of every transaction, and let us carry everything underneath, without becoming a payments company yourself.

Your customers sign up inside your product. We pull their details from Companies House and run the checks, so they can build and test in minutes, then take real money once approved through our regulated partner. Nobody gets frozen out of the blue.

One simple account per business, so they can add splits, subscriptions and disputes later without starting over. Splitting a payment between several parties and running subscriptions are built in. And because your businesses share one network, a card abused on others gets caught before it reaches yours.

You set your margin on top of our rate, payments split the moment they're taken, and you choose when everyone gets paid. Every movement runs on a ledger that balances to the penny, each business sealed off from the rest. Compliance, underwriting, reserves and disputes sit with us.

Payments for your platform, without building a payments company.

[Fluxa @fluxapay]

Your processor knows your whole trading history. It hands you a CSV.

Fluxa hands you a Verified Commercial Identity instead: a signed, bank-grade record of your real trading, with a public verification page and an API that banks, lenders and platforms can check directly.

When you go for finance, a lease, a new supplier, your payment processor usually gives you a CSV and a shrug. Fluxa gives you a verifiable identity built from your actual trading.

Built in as standard. Join the waitlist.

[Fluxa @fluxapay]

The best retention tool in payments isn't a good product. It's making it a nightmare to leave.

The longer you stay, the more subscriptions, saved cards and integrations get knotted into their system. Leaving starts to feel like open-heart surgery on your own business. So they stop earning you and just keep you stuck. That isn't loyalty. It's a hostage situation with a nicer dashboard.

Switching energy supplier takes days and you barely lift a finger. Moving payment processor should feel the same. It doesn't, because nobody selling payments has a reason to make it easy.

Fluxa is built easy in, easy out. If we ever have to trap you to keep you, we've already lost the argument about whether we're any good.

If you've moved processor, what made it hard? We want the full list.

[Fluxa @fluxapay]

Fluxa Switch is live in build.

Changing card processor is one of the worst jobs a business owner faces, so most never do it. Export your customers, rebuild every subscription by hand, hope the saved cards still work. Easier to stay put and keep overpaying.

We built it to work like changing your energy supplier. You pick the date, we do the rest.

Tell us your current processor once. We show you what carries over and what you'll save, built from your own numbers, not a headline rate. Your old one keeps running until the day you chose while we build the new setup next to it.

The worst part of any switch, your customers' saved cards and subscriptions, comes across with you. You watch every subscriber move over by name, so your recurring income never misses a beat.

Only goes live when everything's ready. Stop any time before then, nothing charged.

Changing processor should cost a form and a date, not a week and a held breath.

[Fluxa @fluxapay]

A £20 sale on Stripe costs you 50p. On Fluxa it costs 36p.

Small gap on one sale. Now do it 2,000 times a month. That is £280 a month, over £3,300 a year, sat in Stripe's pocket instead of yours.

Stripe charges 1.5% plus 20p. That 20p fixed fee quietly lifts your real rate to 2.5% on a £20 sale. Fluxa is 1.8% flat, no fixed fee, so £20 always costs 36p.

Join the waitlist.

[Fluxa @fluxapay]

The £15-£40 monthly "PCI compliance fee" on your statement.
What it pays for: a questionnaire you fill in yourself.

Fluxa has no PCI compliance fee.