Flux

Flux is for retailers that want to accept QR-based payments and offer customers more ways to pay, including buy now, pay later (BNPL) and other credit options. Its merchant app turns a phone into a payment terminal, bringing multiple digital wallets together for in-store transactions without dedicated terminal hardware. For credit purchases, customers apply on their phone and, if approved, choose a repayment term. Store staff use Flux to process the sale and check transactions; the retailer receives the proceeds in its bank account, while the customer repays the credit provider. Flux is designed for registered merchants, rather than shoppers looking for a personal finance app.

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