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Close the loop on every dollar

Instant wallet-to-wallet transfers, real-time tracking, and built-in recovery, all embedded in your platform experience.

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Embedded wallet-to-wallet infrastructure. Transfer money out, track every dollar spent, and bring it back, all in one system.

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One-time OAuth connection

Customers authorize once. Your platform can fund, track, and recover anytime — no repeated user action required.

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Wallet-to-wallet transfers

Funds move between platform and customer wallets. Every transfer, recovery, and movement stays inside one system.

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Multiple ways to use funds

Customers can access their wallet funds through prepaid debit cards, bank transfer, bill pay, and gift cards.

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Real-time ledger

Every movement is recorded the moment it happens. Inbound, outbound, card spend, transfers, auto-reloads — one system of record.

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Programmable fund recovery

Schedule wallet debits via API with configurable timing, amount, and fallback behavior. Your platform sets the rules. The system executes them

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Fallback funding, built in

When a wallet balance runs short, auto-reload draws from the customer’s saved funding source. ACH, card, or PayPal — multiple rails reduce collection failures.

How funds move

Fluz unifies funding, spend, tracking, and recovery in one system, giving you full visibility and control over every dollar.

01. ONBOARD

Your customer opens a single link.

Wallet setup, identity verification, and OAuth happen once, creating a persistent wallet-to-wallet connection your platform can use to fund, track, and recover anytime.

One-time setup

Customers connect once, with wallet setup, identity, and authorization handled in a single flow.

Always connected

The wallet stays linked, so your platform can fund, track, and recover without repeated user action.

02. PAYOUT

Funds hit their wallet in seconds.

One API call moves funds from your platform's Fluz wallet to the customer's wallet in seconds. No batch processing, no business-hours restrictions.

Instant transfers

Move funds in seconds with a single API call, no batch files or delays.

Payout to one or many wallets

Disburse to a single customer or fan out to multiple wallets in the same call, with full per-recipient visibility.

03. SPEND

You shape how they use it.

Offer flexible ways for customers to use funds. A modern prepaid debit card experience with optional Apple Pay and Google Wallet, plus bank transfer, bill pay, and discounted gift cards.

Modern card experience

Offer a modern prepaid card experience with the option to add cards instantly to Apple and Google Wallet. No app download required. Learn more

Built-in revenue share

Share in interchange on card transactions and margin on discounted gift card purchases.

04. TRACK

See where every dollar goes.

Every movement is recorded in a unified ledger, regardless of how funds are used. Card transactions return full merchant-level data. Gift card purchases and bill payments add additional spend insight.

Complete fund visibility

Every dollar is tracked from disbursement to recovery in a unified system of record.

Merchant-level spend data

Merchant, category, amount, and timestamp data across card, bill pay, and gift card usage.

Behavior you can act on

Use real spend data to power risk decisions, targeting, and program optimization.

05. RECOVER

Pull it back on your schedule.

Your platform debits the customer's wallet via API on your schedule. If the balance is short, auto-reload draws from their pre-configured funding source across multiple rails.

Get paid back on your terms

Schedule wallet debits via API with precise timing and control.

Fallbacks that actually work

Auto-reload pulls from saved funding sources when balances are low, so collections still go through.

Higher recovery rates

Multiple rails, including ACH, cards, and PayPal, reduce failures and keep cash moving.

Customer onboarding
Instant payout
Usage options
Transaction tracking
Wallet pay-in
Customer onboarding
01. ONBOARD

Your customer opens a single link.

Wallet setup, identity verification, and OAuth happen once, creating a persistent wallet-to-wallet connection your platform can use to fund, track, and recover anytime.

One-time setup

Customers connect once, with wallet setup, identity, and authorization handled in a single flow.

Always connected

The wallet stays linked, so your platform can fund, track, and recover without repeated user action.

Instant payout
02. PAYOUT

Funds hit their wallet in seconds.

One API call moves funds from your platform's Fluz wallet to the customer's wallet in seconds. No batch processing, no business-hours restrictions.

Instant transfers

Move funds in seconds with a single API call, no batch files or delays.

Payout to one or many wallets

Disburse to a single customer or fan out to multiple wallets in the same call, with full per-recipient visibility.

Usage options
03. SPEND

You shape how they use it.

Offer flexible ways for customers to use funds. A modern prepaid debit card experience with optional Apple Pay and Google Wallet, plus bank transfer, bill pay, and discounted gift cards.

Modern card experience

Offer a modern prepaid card experience with the option to add cards instantly to Apple and Google Wallet. No app download required. Learn more

Built-in revenue share

Share in interchange on card transactions and margin on discounted gift card purchases.

Transaction tracking
04. TRACK

See where every dollar goes.

Every movement is recorded in a unified ledger, regardless of how funds are used. Card transactions return full merchant-level data. Gift card purchases and bill payments add additional spend insight.

Complete fund visibility

Every dollar is tracked from disbursement to recovery in a unified system of record.

Merchant-level spend data

Merchant, category, amount, and timestamp data across card, bill pay, and gift card usage.

Behavior you can act on

Use real spend data to power risk decisions, targeting, and program optimization.

Wallet pay-in
05. RECOVER

Pull it back on your schedule.

Your platform debits the customer's wallet via API on your schedule. If the balance is short, auto-reload draws from their pre-configured funding source across multiple rails.

Get paid back on your terms

Schedule wallet debits via API with precise timing and control.

Fallbacks that actually work

Auto-reload pulls from saved funding sources when balances are low, so collections still go through.

Higher recovery rates

Multiple rails, including ACH, cards, and PayPal, reduce failures and keep cash moving.

Move business-critical money with confidence

Bank-grade controls and regulated infrastructure to protect funds and data across every movement.

FDIC insured up to $10M

Wallet funds are held by FDIC-insured banking partners. Deposit insurance coverage may apply up to $10,000,000.

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Disclaimer

Fluz is a financial technology company, not an FDIC-insured bank. Banking services are provided by our FDIC-insured bank partners. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance up to $10,000,000.00 is available on customer funds through pass-through insurance provided by bank partners where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met. There may be a risk that FDIC insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.

Built-in KYC and KYB

Identity verification handled by Fluz for every wallet holder. Launch without building your own compliance stack.

24/7 fraud controls

Transactions are monitored continuously with configurable limits, rules, and risk checks across funding and payouts.

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 to PCI DSS standards, reducing your compliance surface without sacrificing flexibility.

Easier deployment, by design

Multiple paths to go live, with the documentation and support to reduce integration effort and friction.

Low and no-code options

Use our platform, widgets and plug-and-play snippets to deliver rich payments experiences without building infrastructure.

White-labeled by default

Feature your brand throughout the widget — logos, banners, and artwork render as yours. Your customers experience your product, powered by Fluz.

Automated onboarding

OAuth-secured KYB/KYC forms with API validation. Automated onboarding compliance — no PDFs, no manual transcription, no delays.

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.

Full API documentation & recipes

Full documentation with prebuilt, use-case-specific recipes to streamline implementation.

View documentation

Everything you need, in one system

Why platforms choose Fluz

Most providers cover a single step. Fluz connects the entire flow. Fund, track, and recover money in one system, with the wallet experience and infrastructure built together.

Single integration across the full fund lifecycle

Embedded wallet and infrastructure layer in one system

Unified ledger for every movement of funds

Spend visibility after disbursement

Wallet-based recovery instead of direct bank debit dependency

Revenue on disbursement through interchange and gift card margins

Security and compliance built into the full funds flow

Start building with Fluz

One system to fund, track, and recover money, with the wallet and infrastructure built as one.

Let's work together

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