Ship payments in 11 lines, not 11 weeks.
One API to charge cards, split funds, run payouts and listen to events. Tokenize in the browser, go live in minutes, and put your brand on the customer’s statement.
- Visa
- Mastercard
- Amex
- Apple Pay
One integration. Every rail.
- 0 lines
- to your first live charge
- 0ms
- median API response, p50
- 0.00%
- rolling 90-day uptime
- 0+
- currencies, 1 integration
Payments shouldn’t cost you a quarter
Becoming a payment facilitator used to mean a compliance project, a legal budget and a launch date six months out. We turned all of it into an API call.
The old way
A compliance project
- Weeks of underwriting before you can touch the first dollar.
- PCI audits, QSAs and a SAQ-D the size of a tax return.
- Reconciling payouts by hand, line by line, against your books.
- A third-party brand hijacking your checkout and your statement.
With Fluxpay
A single integration
Everything the money touches, one API
Charge cards, split funds, hold balances and listen to events — primitives that compose, all behind a single typed integration.
Unified Payments API
One endpoint for cards, wallets and bank debits. Idempotent, typed, and versioned — no surprises on upgrade.
Programmable money flows
Split a single charge across any number of accounts. Define fees, holds and routing in code, settle automatically.
Browser-side tokenization
Card data is tokenized in the browser and never touches your servers. You inherit PCI scope SAQ-A by default.
Reliable webhooks
Signed, ordered, replayable events with automatic retries and a local tunnel for testing. Never miss a state change.
Instant payouts
Push funds to connected accounts on your schedule. Track every transfer with a real-time, queryable ledger.
Built-in observability
Every request is logged with a replay link, full headers and a cURL you can re-run. Debug in seconds, not tickets.
One charge in. Every payout settled.
Watch a single payment move through the rail: tokenized, authorized, then split across your platform fee and sub-merchant payouts in one atomic call. You write the split rules; Fluxpay moves the money.
Splits are defined per charge in the API and settle on the next payout cycle. Fees, holds, and reserves are handled for you.
An API you can hold in your head
One resource-shaped endpoint, predictable JSON, and SDKs that feel native in every language. Read the snippet, ship the charge — no archaeology required.
- Idempotency keys built in
- Retry any write safely. The same key returns the same charge — never a double payment.
- Typed SDKs in six languages
- Node, Python, Go, Ruby, PHP and Rust — generated from one spec, autocompleted end to end.
- Date-versioned API
- Pin a version and upgrades never break you. Migrations are opt-in, on your schedule.
- Every request is replayable
- Each call ships with a ready-to-run cURL and a replay link. Reproduce any state in seconds.
# Create a charge — runs as-is with your test keycurl https://api.fluxpaywave.com/v1/charges \ -X POST \ -H "Authorization: Bearer sk_test_4eC39Hq" \ -H "Idempotency-Key: ch_idem_91f2a7" \ -d amount=4200 \ -d currency=usd \ -d source=tok_visa \ -d "description=Pro plan — annual"{ "id": "ch_3Nf8aQ2bV1", "object": "charge", "amount": 4200, "currency": "usd", "status": "succeeded", "livemode": false, "created": 1718900000}From zero to a live charge in three steps
No sales call, no procurement. Sign up, paste a key, and you are taking test payments in the time it takes to read this.
- 01
Grab your keys
Sign up and copy a test secret key from the dashboard. No sales call, no waiting on underwriting to start building.
sk_test_4eC39Hq… - 02
Create a charge
Install an SDK and POST to /v1/charges. Tokenize the card in the browser, confirm 3-D Secure, done.
POST /v1/charges - 03
Go live
Complete KYB, flip to live keys and point a webhook at your app. Your name lands on the customer's statement.
flux live --webhook
Webhooks that never ghost you
State changes reach your backend as signed, ordered, replayable events — so your ledger and ours never drift apart.
Signed with a shared secret
Every payload carries an HMAC-SHA256 signature. Verify it in one line — reject anything that doesn't match.
Strictly ordered per object
Events for a single resource arrive in the sequence they happened. No out-of-order state, no race conditions.
Replayable for 72 hours
Failed deliveries retry with exponential backoff, and every event is replayable from the dashboard or the API.
Fluxpay-Signature: t=1719421337,v1=8f3c2a9e1d7b4f60a2c5e8d1b9f04a7c6e3d2b1a0f9e8d7c6b5a4938271605f4eYour whole payment stack, observable in real time
Every charge, payout and authorization streams into one control room. No extra agents, no bolt-on dashboards, no sampling — observability is built into the platform from the first request.
- Northwind StudiosSucceeded$42.003s ago
- Vela MobilitySucceeded$73.5012s ago
- Patchwork LabsRefunded$99.0027s ago
- Drift CoffeeSucceeded$8.6054s ago
Your brand on the checkout and the statement, not ours
Fluxpay runs the payment, the compliance and the payout rails underneath. The cardholder only ever sees the merchant — on the page and on their bank statement.
Pick a sample merchant and watch the entire checkout retint live — button, monogram, domain and the statement descriptor all swap to their brand instantly.
Drops into the stack you already run
First-class connectors for the tools your team lives in — and a clean REST API plus signed webhooks for absolutely everything else.
Shopify
WooCommerce
Webflow
Vercel
Supabase- Shopify
- WooCommerce
- Webflow
- Vercel
- Supabase
Zapier
Sentry
Linear
Datadog
Notion- Zapier
- Sentry
- Linear
- Datadog
- Notion
Compliance is the default, not a project
The controls a payment facilitator needs ship turned on. You inherit the scope reductions, the encryption and the audits — no checklist to chase.
PCI scope SAQ-A
Cards are tokenized in the browser with our drop-in. Raw PAN never reaches your servers.
3-D Secure 2 built in
Frictionless authentication and dynamic challenge flows handled by the API, liability shifted.
Signed + ordered webhooks
HMAC-signed payloads delivered in order, replayable for 72h with exponential-backoff retries.
SOC 2 Type II
Independently audited controls. Reports and our DPA are available under NDA on request.
Encrypted everywhere
AES-256 at rest and TLS 1.2+ in transit. Secrets are isolated in a hardware-backed vault.
No raw PAN or PII stored
You hold opaque tokens, never card numbers or beneficial-owner data. Less to leak, less to audit.
Scoped, rotatable keys
Restricted API keys per service, instant rotation, and a full audit log of every key action.
Resilient by design
Multi-region failover, isolated test and live ledgers, and a 99.99% uptime SLA on Scale+.
PCI DSS Level 1 · SOC 2 Type II · GDPR & CCPA ready · AES-256 / TLS 1.2+
Shipped by teams who ship
Engineers reach for Fluxpay because the integration disappears and the payments just work. Here's what they tell us after going live.
We replaced three vendors with one Fluxpay integration. The webhook replay alone paid for itself the first week.
The docs read like they were written by someone who actually shipped the SDK. First charge was live before lunch.
Split payments used to be a quarter of work. With programmable flows it was an afternoon and a code review.
Every request has a replay link and a ready-to-run cURL. Our support tickets about payments basically vanished.
Price every dollar before you write a line of code
Drag your monthly volume and we show the exact split: rate on volume, fixed fee per transaction, and what actually lands in your account. No hidden tiers, no surprises.
Transactions
2,400
Effective rate
8.50%
Monthly fees
$10,200
Net to you
$109,800
Fee breakdown
- Rate on volume 8.00% × $120,000
- $9,600.00
- Per transaction $0.25 × 2,400
- $600.00
- Total fees
- $10,200.00
Estimate only. The rate is flat — no interchange markups, no hidden tiers — with a small cross-border fee on international card payments.
Free to build. Pay when you earn.
No platform fees, no minimums, no contract to start. You only pay when a charge succeeds — and the test sandbox is free forever.
Test
Build and prototype with the full API in sandbox.
- Full API in test mode
- All SDKs & webhooks
- Unlimited test charges
- Community support
Scale
Usage-based pricing that starts the day you go live.
- Everything in Test
- Instant payouts & split flows
- 99.99% uptime SLA
- Branded checkout on your domain
Platform
Interchange-plus, dedicated infra and a solutions engineer.
- Everything in Scale
- Interchange-plus pricing
- Multi-account / marketplace tooling
- Dedicated support engineer
Questions, answered
The things developers ask us before they commit the first line. Still curious? The docs go deeper.
A facilitator. You onboard sub-merchants under your platform, money moves through programmable flows, and your brand is on the statement — without you holding a payments license.
Start with a test key. Go live when you’re ready.
Eleven lines to your first charge. No sales call, no waiting on underwriting to build — just a key and the docs.
npm i @fluxpay/node