MORE ON FLUZ
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Stories, insights and advice to help put your money on max.
Boost your 21+ Days of Beauty savings with cashback at Ulta
If you’re into beauty deals, Ulta’s 21 Days of Beauty is one of the best times of the year to shop. For three weeks, Ulta releases rotating Beauty Steals on some of
Faster in. Smarter out. Meet Spend Accounts.
Fluz is launching Spend Accounts — a faster, smarter way to fund, share, and control every payment across the platform, with more capabilities on the way.
Fluz launches embedded payment platform
NEW YORK--(BUSINESS WIRE)--Fluz, a fintech company founded in 2018 that provides consumer and business finance solutions, today announced the launch of Fluz Platform, marking the company’s expansion into the embedded finance market.
Your guide to local cashback
Fluz offers cashback when paying via Virtual Card at over 1,400 local restaurants, giving you more opportunities to earn rewards when you dine out. Whether it’s a quick lunch near the office
Product news
View allFluz launches embedded payment platform
NEW YORK--(BUSINESS WIRE)--Fluz, a fintech company founded in 2018 that provides consumer and business finance solutions, today announced the launch of Fluz Platform, marking the company’s expansion into the embedded finance market. The new platform brings Fluz’s payment infrastructure directly into software products, elevating payments to seamless, modern in-product experiences.Since its founding, Fluz has processed more than $5 billion in consumer and business payments, supporting use cases including rewards, payouts, disbursements, and bill pay. With Fluz Platform, that infrastructure is now available to software companies, marketplaces, and financial services firms whose products rely on payments as a core part of the experience. The launch addresses a persistent challenge for software companies: delivering intuitive, in-product payment experiences while navigating the complexity of payment rails, compliance, controls, and reconciliation. Fluz Platform supports embedded pay-ins, wallets, controlled spend, rewards, and disbursements through a single, configurable system. “We’ve watched platforms struggle with this problem for years—either they compromise the user experience by sending customers off-platform, or they spend months stitching together multiple vendors just to get a basic payout flow working,” said Maurice Harary, CEO and founder of Fluz. “Neither option makes sense. Platforms should focus on building great products, while payments work the way users expect them to.” Fluz Platform delivers embedded payments infrastructure, managing compliance, reconciliation, and payment network connectivity so companies can offer branded payment experiences without building it themselves. Early traction includes fintech platforms, marketplace operators, and financial services firms embedding payouts, incentives, and rewards directly into their products. "Moving money isn't enough anymore," said Vince Chiofolo, who joined Fluz to lead the launch and growth of Fluz Platform as Business Development & Partnerships Lead. "Recipients compare every payment to the best apps they use daily. Anything less kills engagement. Fluz Platform turns payments from transactions into experiences: instant delivery, complete flexibility, and zero friction—all without companies having to build the infrastructure or become the bank." Fluz Platform’s low-to-no-code architecture is already supporting use cases across employee rewards, creator and influencer payouts, customer rebates and refunds, and incentive programs—all on a single underlying infrastructure.Fluz Platform is SOC 2 Type II certified and maintains PCI DSS compliance and bank-level security standards.For more information, visit https://fluz.app/us/platform About Fluz Founded in 2018, Fluz is a fintech company delivering modern payment solutions across B2C, B2B, and embedded finance use cases. The company supports a wide range of payment methods, including gift cards, open-loop prepaid cards, ACH transfers, instant bank payouts, push-to-debit and push-to-wallet transactions, and bill pay. Fluz is headquartered in New York City’s SoHo neighborhood. For more information Visit Fluz PlatformContact us
Control spend with category locks
Fluz Virtual Cards allow you to customize every virtual card to match how you spend. You can create unlimited cards, customize addresses, choose which card program you’re using, set card limits, freeze your card on a set date, and much more. Now, we’re excited to introduce merchant category locks on Fluz Virtual Cards, giving you even more flexibility and control over your spending. THE CHALLENGE Controlling spend without slowing down. Fluz users rely on Virtual Cards to manage personal and business expenses, from software subscriptions, advertising, travel, and office supplies. Users can create unlimited virtual cards and customize each one to support specific expenses or use cases. The challenge is making a virtual card flexible enough to be usable, while still preventing purchases outside its intended purpose THE SOLUTION Introducing controls at the category level Instead of locking a virtual card to a specific merchant, Fluz Virtual Cards let you lock spend to an entire merchant category. You choose the category once, and the card automatically works only at merchants that match it. For example, if you want to issue employees a virtual card for fuel expenses, you can lock the card to the Fuel category. The card will work at any qualifying gas station, while automatically blocking purchases in unrelated categories. You can restrict a virtual card to: Categories you can restrict your virtual card to: Advertising Business Services Cable and Radio Digital Games Discount Stores Entertainment Fuel General Merchandise Gift Card Grocery Home Decor Hotels Internet Movie Theaters Office Supplies Parking Lots Passenger Railways Pet Stores Phone Services School Supplies Shipping Software Taxis Telecom Tour Buses Travel Variety Stores Wholesale Clubs THE RESULT Combined with existing features like spending limits, freeze dates, customizable addresses, and unlimited card creation, category locks give every Fluz Virtual Card unmatched flexibility and control. With up to 1.5% cashback on everyday purchases, your business doesn’t have to choose between control and rewards With category-locked virtual cards, you can: Prevent off-category purchases Reduce manual oversight and transaction reviews Eliminate surprises before they happen Ensure every card is used exactly as intended Whether you’re managing employee expenses, subscriptions, or personal budgets, category-level controls help you spend with total confidence. How to lock your virtual card to a merchant category Step 1: Create your Virtual Card Make a new card on our web portal in one click. Step 2: Dial in your settings Toggle "Advanced,” then “Lock card to category” to lock your virtual card to a merchant category, as show in the specific screen below. Step 3: Start using your Virtual Card instantly Add the Virtual Card to your digital wallet or copy the details to pay online. Add a Virtual Card to your digital wallet. Create a Virtual Card
Introducing Fluz Rewards Statuses
Earning cashback is just the start. With Fluz Rewards Statuses, the more you use Fluz, the more you unlock: higher earning potential, exclusive perks, and bonuses that stack on top of your everyday rewards. Have a business account? Fluz also offers a rewards program built specifically for business users, with benefits tailored to higher-volume spending and operational needs. Learn about Business Rewards Statuses How Rewards Statuses work Fluz Rewards Status is based on your annual qualifying spend. As your activity grows, you move through tiers—each one unlocking new ways to earn more cashback and access exclusive benefits. If you haven’t reached a tier yet, you can still earn cashback on qualifying purchases while building toward your first status level. Once unlocked, your Rewards Status is valid through December 31 of the following year. Rewards Status tiers Silver — $100 annually Your first milestone. Silver unlocks earning beyond base cashback: Unlimited referral royalties Extra boosts that can earn you up to 25% additional cashback on future purchases Gold — $1,000 annually Gold builds on Silver with even more earning power: All Silver benefits Five boosts upon achievement Exclusive cashback rates from select brands Platinum — $2,500 annually Platinum unlocks Fluz’s most exclusive consumer perks: All Gold benefits Ten boosts upon achievement A $10 bonus to use on Fluz Access to exclusive parties with elevated cashback rates Early access to beta features Qualifying spend includes gift card purchases on Fluz and purchases made with a Fluz Virtual Card between January 1 and December 31. What these mean for you As your Rewards Status grows, so does how much you can earn from Fluz—often without doing anything extra. Referral royalties let you earn from the activity of people you invite to Fluz. Once you reach Silver, those earnings are unlimited and continue through the end of the following year. Exclusive rate offers give Gold and Platinum members access to higher cashback rates from select brands, so the same purchases earn more than standard rates. Exclusive parties are invite-only earning events where Platinum members can unlock elevated cashback for a limited time. Boosts add extra earning power to future purchases, allowing you to earn up to an additional 25% cashback when you use them. Beta feature access lets Platinum members try new Fluz features early, before they’re released to everyone else. The $10 bonus is a one-time cash reward Platinum members receive upon achievement, ready to use on Fluz. Together, these rewards turn everyday spending into momentum—helping you earn more as you continue using Fluz, without changing how you already spend. What level are you? Check your current Rewards Status to see what you’ve unlocked, and what you’re on track to earn next. Download the appLogin to the web portal
Stacked deals
Adventures in money
View allSmooth, Bold, and Brewed with Purpose: The We-Brü Story
How founder Arielle turned Fluz cashback into real margin gains as she grew We-Brü from local favorite to nationwide brand
How Lashonda makes everyday spending work harder with Fluz
West Palm Beach resident Lashonda found Fluz online after watching a “money-saving hacks” video from a creator who shared practical ways to earn on everyday purchases. The idea clicked: she was already paying for coffee, meals, and Target runs—why not get something back each time? Fluz quickly became part of her routine because it was easy to adopt and delivered rewards she could actually use. Everyday habits that add up Lashonda uses Fluz where it fits naturally: restaurants, retail, and weekly essentials. “I’m going to pay anyway,” she says, “so I generate a gift card on the spot.” For busy Target trips—or when she’s browsing clothing stores—self-checkout gives her a moment to buy through Fluz without holding up the line. Her small indulgences? Starbucks and Smoothie King. “Cashback on Smoothie King is great,” she laughs—proof that little treats can still be smart. Boosts, checkout ease, and a happy surprise She loves saving Boosts for bigger stock-up runs at one-stop shops like Target and Walmart, where the extra percentage really counts. Live parties don’t always match her work schedule, but banking Boosts and using them strategically keeps her cashback steady. When the August $1000 giveaway email arrived, she felt pure relief and gratitude. She plans to put the funds toward tying up important family matters—turning an everyday savings habit into help when it matters most. Turn your spending into rewards Whether you’re shopping for daily essentials or planning something special, Fluz makes spending smarter. Join FluzLearn about the giveaway
How Guang uses Fluz to save on family trips and everyday spending
Oakland-based user, Guang, joined Fluz in 2020 after hearing about the cashback app from friends. Since then, he’s earned over $100 in cashback and discovered how small savings can add up to big value over time. In July, his commitment to earning smart rewards came full circle when he was selected as our $1000 monthly cash giveaway winner. From coffee runs to cruises Guang uses Fluz across a mix of everyday and travel purchases, from morning Starbucks orders to planning family getaways. “A lot of people overlook the small savings, but if you look at it over a year, you can save $1,000,” he says. His favorite find? Earning 6% cashback on a Princess Cruise for a family trip to Alaska. “I couldn’t find that rate anywhere else. Fluz offers the most rewarding program compared to other platforms.” Easy, instant, reliable For Guang, Fluz stands out for how seamless it is to use. “It’s easy to use—just a couple of clicks and you instantly get the card. You don’t need to wait. I never had a problem.” With a wide range of merchants from airlines to home goods, he calls Fluz “the most rewarding and reliable cashback program” he’s tried. When he learned he’d won the July $1000 giveaway, he was shocked. “I never thought I was going to win this. It must be luck from my baby—I’m very grateful.” He plans to use his prize to buy a balance bike for his baby and help fund another family trip around Christmas. Turn your spending into rewards Whether you’re shopping for daily essentials or planning something special, Fluz makes spending smarter. Join FluzLearn about the giveaway
Why Ali switched to Fluz and never looked back
Florida resident Ali joined Fluz in 2023 and quickly found her new go-to way to save. In just a few months, she’s earned over $550 in cashback by using Fluz for everyday essentials like Amazon, Instacart, Walmart, and Uber. In May, her smart saving habits got an extra boost when she was chosen as our $1000 monthly cash giveaway winner. Finding a cashback app that works Ali was no stranger to cashback apps, but she often found herself disappointed. “I found Fluz after getting frustrated with another cashback app that never let me redeem anything — the good gift cards were gone in seconds. Fluz is the total opposite. It’s easy, transparent, and secure.” With Fluz, every purchase feels worthwhile. “I spend the same as I used to, but now I’m getting something for it. Fluz makes it easy to feel like you’re winning a little every day.” Ali even makes it a game with herself to see how much she can save each month. Stacking savings and building trust One of Ali’s favorite tricks is stacking Fluz with other rewards programs like Rakuten. Between that and using boosts, she’s found ways to maximize her cashback, whether it’s a few dollars on groceries or a bigger return on major purchases. Fluz also earned her trust with excellent customer service. After one large transaction, she needed help, and support walked her through every step. “They didn’t just answer me quickly — they stayed with me until everything was resolved. That experience made me trust Fluz.” Winning the $1000 May giveaway was the cherry on top of months of consistent savings. “I was really excited, because I normally don’t win anything! But when I saw it was from Fluz, I knew it was real.” She plans to use the prize during the “birthday season” for her family — and likely funnel some of it right back into Fluz. Turn your spending into rewards Whether you’re shopping for daily essentials or planning something special, Fluz makes spending smarter. Join FluzLearn about the giveaway
Fluz news
View allFaster in. Smarter out. Meet Spend Accounts.
Fluz is launching Spend Accounts — a faster, smarter way to fund, share, and control every payment across the platform, with more capabilities on the way.
Living our values everyday, the Fluz way
At Fluz, we believe in creating a culture where innovation thrives and excellence is a standard. It informs how we build, how we collaborate, and how we serve our community. Our mission has always been simple: empower people to maximize their money. These values are how we turn that mission into something real. Our core values are more than just a list. We see them as the operating system for how we work. They drive us, guide our decisions, shape our product, and keep us moving forward. Our core values inform how we build, collaborate, and serve our community. Our core values 1. Unconditional love for customers If we do not work for them, we don’t exist. We relentlessly try to figure out what matters to our customers and then do whatever it takes to deliver that and more. 2. Avoid evil; do good We know doing “good” is a deliberate action we must always take. Our actions follow our beliefs; our beliefs are formed through our actions. We strive to build trust with those who we connect with, including our team, members, merchants, partners, vendors and our community. 3. High standards now We believe high standards are teachable. In fact, people are pretty good at learning high standards simply through exposure. High standards are contagious. Bring a new person onto a high standards team, and they’ll quickly adapt. A high standard product is not something that is done once and quickly. It requires iterations and multiple revisions. We love tackling hard problems. We see something that is “impossible” as a fun challenge. 4. Take risk to make great products In taking a lot of shots it means we will miss the target...a lot. Best to not put good money after bad. If it is not working, move on to find something that will. 5. From the beginning, go over In order for Fluz to continue to be disruptive, we need to challenge the status quo, but we have to do so with guiding principles. At Fluz, a lot of the work we do here has never been done before, so there will be times where you will face adversity, but being resilient is critical to being successful. 6. Simplicity scales We are building Fluz so everyone can enjoy it. Keeping that simple, focused, and immediately understandable is hard work. We know that by sticking to this goal, we can make something really special. Keeping things simple will allow us to make the largest impact across the most people. 7. Fix problems once Develop long lasting meaningful solutions to complex problems. We do not hide the problems under the rug, even when it’s uncomfortable. We cannot keep any skeletons in the closet. The first step to fixing a problem is to recognize it and address it head on. 8. Be thrifty What you can get for $100, you can get for $90. Accomplish more with less. The only way to maximize value for all stakeholders is to eliminate waste. 9. Act from ownership We all take pride in what we do, think beyond our own job description, and do what’s best for the company overall rather than seek short term gains. We look at Fluz as if it is our own, because it is our own. 10. Rise above nature At Fluz, we make 1 + 1 = 3. It will never make sense how we accomplish so much with so little. We know the goal, but we do not profess to know the way. Despite that, we go forward with the confidence required to make it there. Let’s build something that matters Explore open roles across product, engineering, operations, and more. Join Fluz
Fluz launches embedded payment platform
NEW YORK--(BUSINESS WIRE)--Fluz, a fintech company founded in 2018 that provides consumer and business finance solutions, today announced the launch of Fluz Platform, marking the company’s expansion into the embedded finance market. The new platform brings Fluz’s payment infrastructure directly into software products, elevating payments to seamless, modern in-product experiences.Since its founding, Fluz has processed more than $5 billion in consumer and business payments, supporting use cases including rewards, payouts, disbursements, and bill pay. With Fluz Platform, that infrastructure is now available to software companies, marketplaces, and financial services firms whose products rely on payments as a core part of the experience. The launch addresses a persistent challenge for software companies: delivering intuitive, in-product payment experiences while navigating the complexity of payment rails, compliance, controls, and reconciliation. Fluz Platform supports embedded pay-ins, wallets, controlled spend, rewards, and disbursements through a single, configurable system. “We’ve watched platforms struggle with this problem for years—either they compromise the user experience by sending customers off-platform, or they spend months stitching together multiple vendors just to get a basic payout flow working,” said Maurice Harary, CEO and founder of Fluz. “Neither option makes sense. Platforms should focus on building great products, while payments work the way users expect them to.” Fluz Platform delivers embedded payments infrastructure, managing compliance, reconciliation, and payment network connectivity so companies can offer branded payment experiences without building it themselves. Early traction includes fintech platforms, marketplace operators, and financial services firms embedding payouts, incentives, and rewards directly into their products. "Moving money isn't enough anymore," said Vince Chiofolo, who joined Fluz to lead the launch and growth of Fluz Platform as Business Development & Partnerships Lead. "Recipients compare every payment to the best apps they use daily. Anything less kills engagement. Fluz Platform turns payments from transactions into experiences: instant delivery, complete flexibility, and zero friction—all without companies having to build the infrastructure or become the bank." Fluz Platform’s low-to-no-code architecture is already supporting use cases across employee rewards, creator and influencer payouts, customer rebates and refunds, and incentive programs—all on a single underlying infrastructure.Fluz Platform is SOC 2 Type II certified and maintains PCI DSS compliance and bank-level security standards.For more information, visit https://fluz.app/us/platform About Fluz Founded in 2018, Fluz is a fintech company delivering modern payment solutions across B2C, B2B, and embedded finance use cases. The company supports a wide range of payment methods, including gift cards, open-loop prepaid cards, ACH transfers, instant bank payouts, push-to-debit and push-to-wallet transactions, and bill pay. Fluz is headquartered in New York City’s SoHo neighborhood. For more information Visit Fluz PlatformContact us
Guides
View allEarn cashback eating out in San Francisco
Fluz offers cashback when paying via Virtual Card at over 1,400 local restaurants, giving you more opportunities to earn rewards when you dine out. Whether it’s a quick lunch near the office or a night out with friends, you can earn up to 6% cashback at one of the participating spots below. Search San Francisco restaurants View on Fluz ↗ Maximize every meal Support local restaurants while earning cashback on meals using a Fluz Virtual Card. Explore Neighborhood EatsJoin Fluz Important Terms & Conditions Cashback rates displayed on Fluz are only valid at participating partner restaurants and select locations. Not all restaurant locations are eligible. Participating restaurants, eligible locations, cashback rates, and offer terms are subject to change or cancellation at any time without notice.Cashback applies to payments made up to $3,500 per transaction. Amounts above this may not earn rewards. To earn cashback, purchases must be: Made directly with an eligible participating restaurant, either in person or through the restaurant’s own website or ordering system. Purchases made through third-party delivery or ordering platforms (including Uber Eats, DoorDash, Grubhub, Postmates, or similar services) are not eligible. Paid for using a Fluz Virtual Card linked to your Fluz account. Personal bank cards or bank accounts are not eligible. Cashback is typically credited immediately after a transaction, but in some cases may take up to 10 business days to appear in your account. Cashback is calculated based on the final captured transaction amount processed on your Fluz Virtual Card. Cashback may be reversed or forfeited in the event of a refund, chargeback, or transaction adjustment. Additional restrictions may apply. View full Terms & Conditions in the Fluz Help Center > Click here
Earn cashback eating out in Boston
Fluz offers cashback when paying via Virtual Card at over 1,400 local restaurants, giving you more opportunities to earn rewards when you dine out. Whether it’s a quick lunch near the office or a night out with friends, you can earn up to 6% cashback at one of the participating spots below. Search Boston restaurants View on Fluz ↗ Maximize every meal Support local restaurants while earning cashback on meals using a Fluz Virtual Card. Explore Neighborhood EatsJoin Fluz Important Terms & Conditions Cashback rates displayed on Fluz are only valid at participating partner restaurants and select locations. Not all restaurant locations are eligible. Participating restaurants, eligible locations, cashback rates, and offer terms are subject to change or cancellation at any time without notice.Cashback applies to payments made up to $3,500 per transaction. Amounts above this may not earn rewards. To earn cashback, purchases must be: Made directly with an eligible participating restaurant, either in person or through the restaurant’s own website or ordering system. Purchases made through third-party delivery or ordering platforms (including Uber Eats, DoorDash, Grubhub, Postmates, or similar services) are not eligible. Paid for using a Fluz Virtual Card linked to your Fluz account. Personal bank cards or bank accounts are not eligible. Cashback is typically credited immediately after a transaction, but in some cases may take up to 10 business days to appear in your account. Cashback is calculated based on the final captured transaction amount processed on your Fluz Virtual Card. Cashback may be reversed or forfeited in the event of a refund, chargeback, or transaction adjustment. Additional restrictions may apply. View full Terms & Conditions in the Fluz Help Center > Click here
Earn cashback eating out in Los Angeles
Fluz offers cashback when paying via Virtual Card at over 1,400 local restaurants, giving you more opportunities to earn rewards when you dine out. Whether it’s a quick lunch near the office or a night out with friends, you can earn up to 6% cashback at one of the participating spots below. Search Los Angeles restaurants Full page view ↗ Maximize every meal Support local restaurants while earning cashback on meals using a Fluz Virtual Card. Explore Neighborhood EatsJoin Fluz Important Terms & Conditions Cashback rates displayed on Fluz are only valid at participating partner restaurants and select locations. Not all restaurant locations are eligible. Participating restaurants, eligible locations, cashback rates, and offer terms are subject to change or cancellation at any time without notice.Cashback applies to payments made up to $3,500 per transaction. Amounts above this may not earn rewards. To earn cashback, purchases must be: Made directly with an eligible participating restaurant, either in person or through the restaurant’s own website or ordering system. Purchases made through third-party delivery or ordering platforms (including Uber Eats, DoorDash, Grubhub, Postmates, or similar services) are not eligible. Paid for using a Fluz Virtual Card linked to your Fluz account. Personal bank cards or bank accounts are not eligible. Cashback is typically credited immediately after a transaction, but in some cases may take up to 10 business days to appear in your account. Cashback is calculated based on the final captured transaction amount processed on your Fluz Virtual Card. Cashback may be reversed or forfeited in the event of a refund, chargeback, or transaction adjustment. Additional restrictions may apply. View full Terms & Conditions in the Fluz Help Center > Click here
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