Card acquiring for European e-commerce.
Direct Visa and Mastercard acquiring, transparent pricing, and automated fraud detection — for merchants ready to scale across the EEA.
From checkout to settlement in 4 steps
Customer checks out
Buyer enters card details on your site. FluxPay's gateway processes the authorisation in real time.
Transaction is screened
Automated velocity checks, device fingerprinting, and fraud scoring run instantly in the background.
Funds are acquired
FluxPay settles the transaction to the acquiring pool, with rolling reserves applied per your merchant risk profile.
You get paid
Funds arrive in your verified business account on the agreed T+X settlement schedule.
Everything your payments stack needs
Visa & Mastercard
Direct acquiring for both major card schemes
3DS2 Authentication
Strong Customer Authentication (SCA) built in for PSD2 compliance
Real-Time Fraud Detection
Velocity limits, stolen card detection, IP abuse monitoring
Chargeback Management
Automated alerts at 0.9% threshold, evidence submission support
Settlement Control
T+X settlement with configurable rolling reserves
Multi-currency
Accept payments in EUR, GBP, USD and other major currencies
Webhooks & API
Real-time event notifications for every transaction status change
Merchant Dashboard
Full transaction history, dispute management, settlement reports
Transparent, volume-tiered pricing
We don't believe in hidden fees. Every merchant receives a clear fee schedule before go-live.
- MDR (Merchant Discount Rate) Starting from competitive rates, based on volume and vertical
- Setup fee None
- Monthly fee Based on account tier
- Rolling reserve Risk-based; released on agreed schedule
- Chargeback fee Per dispute processed