MORE ON FLUZ
More on Fluz
Stories, insights and advice to help put your money on max.
FEATURED
Introducing Virtual Account Numbers. Money in. Already organized.
Every spend account gets its own account and routing details. Share them with a client, vendor, or payroll provider, and money arrives by ACH or domestic wire directly into the account you set up for that exact purpose.
Why resellers get declined more than anyone (and how to fix it)
Resellers get declined more than almost anyone, and it is rarely about money. Here is the address check quietly killing your orders, and how to clear it every time.
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
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Product news
Fluz now syncs to QuickBooks Online
Fluz now connects to QuickBooks Online, and everything flows: card spend, gift cards, bill payments, money movement, even your cashback. Code transactions where they happen, then export completed activity as balanced journal entries with receipts attached. Your books stay current instead of a month behind.
Product news
Introducing Virtual Account Numbers. Money in. Already organized.
Every spend account gets its own account and routing details. Share them with a client, vendor, or payroll provider, and money arrives by ACH or domestic wire directly into the account you set up for that exact purpose.
Product news
One API for every way money moves
Most payment stacks grow one vendor at a time: one for funding, one for cards, one for gift cards, one for payouts. Fluz replaces the patchwork with a single GraphQL API and one centralized ledger that covers funding balances, managing accounts, sending money, issuing open-loop virtual cards, and purchasing closed-loop gift cards. Here's what one integration actually covers.
Stacked deals
Adventures in money
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Adventures in money
Nine Years, Two Kids, One Big Idea: The Pockyt Story
How Mason Lin built a payments platform helping American businesses reach customers and pay contractors anywhere in the world.
Adventures in money
52 Years, One Family, A Lot of Shoes: The Vida Shoes Story
How Solomon Dabah and three generations of one family turned a small shoe trade into Vida Shoes International.
Adventures in money
Pay Smart, Save More: The Snaplii Story
How founder Spencer Xu is turning everyday shopping into real money back for hundreds of thousands of North Americans
Adventures in money
Smooth, 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
Fluz news
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Fluz news
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 news
The Rise of Digital Gift Cards: Why Brands Should Be Paying Attention
Digital gift cards have evolved far beyond seasonal gifting. Today, they're a powerful tool for customer acquisition, increased spending, loyalty, and business incentives.
Fluz news
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
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Guides
The hidden reason the prepaid cards you send fail at checkout
Sending a prepaid reward card is easy. Getting it to work at checkout depends on the details registered to the card. Here is why those details decide the sale.
Guides
Why resellers get declined more than anyone (and how to fix it)
Resellers get declined more than almost anyone, and it is rarely about money. Here is the address check quietly killing your orders, and how to clear it every time.
Guides
Taxes on cashback rewards
Are cashback rewards taxable? Learn how the IRS generally treats purchase-based cashback rewards, credit card points, and Fluz cashback for businesses.
Recently published
Nine Years, Two Kids, One Big Idea: The Pockyt Story
How Mason Lin built a payments platform helping American businesses reach customers and pay contractors anywhere in the world.
The Rise of Digital Gift Cards: Why Brands Should Be Paying Attention
Digital gift cards have evolved far beyond seasonal gifting. Today, they're a powerful tool for customer acquisition, increased spending, loyalty, and business incentives.
Fluz now syncs to QuickBooks Online
Fluz now connects to QuickBooks Online, and everything flows: card spend, gift cards, bill payments, money movement, even your cashback. Code transactions where they happen, then export completed activity as balanced journal entries with receipts attached. Your books stay current instead of a month behind.
Introducing Virtual Account Numbers. Money in. Already organized.
Every spend account gets its own account and routing details. Share them with a client, vendor, or payroll provider, and money arrives by ACH or domestic wire directly into the account you set up for that exact purpose.
One API for every way money moves
Most payment stacks grow one vendor at a time: one for funding, one for cards, one for gift cards, one for payouts. Fluz replaces the patchwork with a single GraphQL API and one centralized ledger that covers funding balances, managing accounts, sending money, issuing open-loop virtual cards, and purchasing closed-loop gift cards. Here's what one integration actually covers.
Bulk import actions: streamline your entire card workflow
Fluz's new bulk import lets you create virtual cards by the hundreds from a single CSV. Set each card's billing address, spending limits, merchant locks, funding, and shared access right in the file — one row per card. And it's just the first of many bulk actions coming to Fluz.
