Get the payment experience you imagine.
Flexible solutions to add money movement at scale to your platform, program, or workflow.
Fluz has processed $5 billion across cards, wallets, pay-ins, payouts, and bill payments.
Solutions built for every way money moves
Use these solutions together or on their own to move money through your platform, program or workflow.
Pay-Ins
Bring money into your platform through configurable funding flows.
Pay-Ins
Key benefits
- Configurable deposit and funding flows
- Multiple payment method support
- Automated settlement and reconciliation
- Real-time balance updates
Wallets
Create dedicated wallets to govern how funds are held and used.
Wallets
Key benefits
- User onboarding and identity verification
- Virtual account numbers
- Dedicated spend accounts
- Universal ledger
Spend
Enable controlled spending through branded virtual cards embedded in your platform.
Spend
Key benefits
- User-controlled balances
- Network-accepted virtual cards
- Merchant & spend controls
- Engagement & loyalty features
Rewards
Distribute incentives and rewards through flexible digital payout options.
Rewards
Key benefits
- Digital gift cards & prepaid cards
- Instant reward delivery
- Flexible funding sources
- Real-time tracking
Disbursement
Deliver fast, secure payouts across preferred payment methods from one platform.
Disbursement
Key benefits
- Open-loop payout options
- Embedded payout flows
- Built-in compliance
- Brand-ready experiences
Make your money experience.
Share your vision. We’ll guide you from setup to launch.
A taste of what you can create
Real-world examples showing how teams design, launch, and scale modern payment experiences using our platform.
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Employee recognition & milestones
Reward employees for birthdays, work anniversaries, performance achievements, and spot bonuses. Deliver branded gift cards or flexible virtual cards that employees can use immediately.
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Account funding & off ramping
Load a balance to your account or allow your customers to withdraw to a debit card. Allow them to fund their accounts with you via bank transfer, card or even the money you just sent them.
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Customer loyalty programs
Drive repeat purchases with flexible reward options. Let customers choose from thousands of brands, redeem points for virtual cards, or apply rewards toward future purchases—all with automated delivery.
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Sales incentives & SPIFFs
Motivate sales teams with instant incentives for hitting targets, closing deals, or exceeding quotas. Real-time reward delivery creates immediate impact without manual payout processes.
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Referral programs
Reward customers for bringing in new business. Automated tracking and instant reward or card delivery reduce operational effort while creating scalable growth loops.
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Funds holding & deferred spend
Enable customers to hold funds in a dedicated wallet under their name, with programmatic controls that let you deploy, route, or spend those funds through APIs.
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Market research incentives
Compensate survey participants, focus group members, and beta testers quickly and efficiently. Choice-based rewards and prepaid cards improve participation and completion rates.
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Service recovery & goodwill
Turn negative experiences into positive outcomes with instant compensation. Issue apology rewards, credits, or virtual cards in minutes to reduce churn and rebuild trust.
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User spend & allowance programs
Enable users, employees, or contractors to spend funds through branded virtual cards. Set usage rules, limits, or categories while maintaining visibility into how funds are used.
Embedded payment experiences that feel right
Proven payment rails, compliance, and operations that are built and battle-tested. Tailored to your use case, branded for your customers, deployed at scale.
Production-ready solutions configured for your flows
Proven payment rails for rewards, payouts, and spend. Configured and deployed in weeks, not quarters.
Flexible journeys built to match your product needs
Define how money moves through your platform. Routing, compliance, KYC, and settlement run automatically behind the scenes.
Recipient experiences that don’t suck
Instant delivery, flexible redemption, and mobile-ready cards, fully integrated into one seamless payout experience.
Your brand carried at every product touchpoint
Your logo, colors, and messaging across the entire experience. Recipients experience your brand, not a payment provider.
Built for faster deployment
Fluz provides multiple paths to speed up launch, reducing integration effort and friction across teams and systems.
Low and no code options
Use our platform, widgets and plug-and-play snippets to deliver rich payments experiences without building infrastructure.
API adapters
Drop-in adapters that extend your existing integrations, letting you add Fluz capabilities without rebuilding your stack.
Payment gateway support
Connect your existing merchant account once to support multiple gateways, with Level 2/3 data, network tokens, and built-in risk controls.
Comply widget
OAuth-secured KYB/KYC forms with API validation. Automated compliance—no PDFs, no manual transcription, no delays.
API documentation and recipes
Full documentation with prebuilt, use-case-specific recipes to streamline implementation.
Launch and growth support
Go to market faster with hands-on support from initial design through production, launch, and scale, with a team that stays with you.
Not just a transaction. Get a full money experience.
Most platforms deliver money as a one-off event—then push users into a generic third-party portal. Fluz delivers a connected financial experience recipients can return to, manage, and trust.
Where money lives, not just lands
Instead of a disposable card or forgotten link, Fluz gives recipients access to a persistent account experience—available across web, mobile, and embedded surfaces.
A brand recipients remember
Recipients aren’t sent to a generic portal they won’t recognize. They’re brought into a branded, searchable platform they can return to—reducing confusion and creating an experience people remember and trust.
Access without friction
No passwords to forget. Accounts are securely linked to a phone number, making access instant and familiar.
Security and compliance in lockstep
Security, compliance, and reliability move together. Fluz applies bank-grade controls, continuous monitoring, and regulated partnerships to protect data and funds while supporting flexible, real-world payment flows.
SOC 2 Type II compliant
Fluz maintains SOC 2 Type II controls to ensure secure handling of data across systems, processes, and integrations.
PCI DSS compliant
Card data is handled in accordance with PCI DSS requirements, reducing your compliance surface while maintaining flexibility.
Bank-level security
Infrastructure and controls are built to meet the expectations of regulated financial institutions and enterprise partners.
Insurance coverage
Spend account funds are held by FDIC-insured banking partners, with deposit insurance coverage up to $10,000,000.
24/7 fraud controls
Transactions are monitored continuously with configurable limits, rules, and risk checks across funding and payouts.
Headquartered in the US
US-headquartered, with infrastructure and controls designed to meet the demands of regulated financial environments.
38% of cardholders will completely sever ties with a brand after a single fraud incident.
— Telesign, 2024 Trust Index Report
Take your vision live
Design, launch, and scale payment experiences your users will love.
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