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Open loop cards for the 21st century

Prepaid cards with modern infrastructure, built-in compliance, and a recipient experience worth putting your brand on.

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Configurable

Configurable prepaid Visa and Mastercard cards purpose-built for incentives, recognition, and disbursements.

Configurable card program
Your program, your rules

Virtual or physical, single-load or reloadable, wallet-ready from the moment it lands.

Single-load or reloadable
Apple & Google Wallet – no app download
Restrict cards by category or merchant ID
Works in the US and internationally
Brandable card experience
Every touchpoint, unmistakably yours

White-label the full experience or launch faster with ready-made templates. Your call.

Co-branded or white-label card art
Custom envelope and carrier
White-label recipient portal
Templated journeys for faster launch
Scalable card program
Built to scale

Fund, order, and track your entire program without adding headcount.

Instant funding
Bulk ordering – up to 10,000 cards
Deliver via text, email, or share link
Real-time reporting
Experience

Share a card. Deliver an experience.

Your recipients get a modern card experience they can activate in seconds and add straight to their wallet.

single
Single, modern workflow

Leave the clunk behind and deliver a sleek, intuitive payment experience from the moment the card lands to the last dollar spent.

passwordless
Passwordless recipient activation

Recipients activate cards with their phone number. Once verified, every future card on that number activates effortlessly.

wallet ready
Wallet-ready on arrival

One click activates the card. Recipients add their card to Apple Pay or Google Pay in a single tap. App Clip means no App Store required.

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Configurable cashback rewards

Fluz can add up to 1.5% cashback on qualifying purchases, deposited directly to the recipient’s Fluz rewards balance. No extra setup.

visible
Real-time visibility

Remaining card balance, freeze date, transactions, and declines. All visible to the recipient in real time.

custom
Custom controls per card

Set custom card limits, expiration dates, and merchant or category restrictions. Every card works the way your program needs it to.

Streamlined

Streamlined systems. Less wasted spend.

Legacy prepaid burns budget on processing layers, manual work, and delays. Fluz strips that out—so more of what you fund actually reaches recipients instead of getting lost in fees.

instant (1)
Get instant access to the program funds you deposit.

No two-day ACH settlement delays. Access your program funds instantly whenever you deposit via bank account, card, PayPal and more.

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Send at scale without slowing down.

Upload once and issue everything in a single pass. No batching, no splitting files, no reruns. It goes out clean and immediate, no matter the size.

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Control access without breaking flow.

Teams see what they need, nothing more. No workarounds, no duplicate accounts, no manual filtering—just clean visibility built into how the system runs.

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See exactly what’s happening.

Every balance, transaction, and decline updates live across the program. No lag, no reconciling across systems, no guessing where things stand.

Security

Always on. Never in the way. Meet our Invisible Shield.

Invisible Shield combines identity verification, device intelligence, sanctions screening, and real-time decisioning into one proprietary layer. Runs in the background. Legitimate users never feel it.

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Verified at entry

Businesses and users are validated as they onboard, with identity, ownership, and documents checked upfront so bad actors don’t get into the system in the first place.

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Real-time risk decisions

Activity is evaluated as it happens using identity, device, and behavior signals together. If something doesn’t line up, it doesn’t go through.

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Continuous monitoring

Accounts, devices, and activity are re-evaluated over time, so new risk is caught even after someone is already in.

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AI that learns across the network

AI models learn from patterns across the entire Fluz network. New fraud tactics are caught before they reach your program.

2X better than best in-class fraud rates

Our Invisible Shield holds fraud to just 0.5% year to date. The industry sits between 1 and 3%. Even the best programs only get to 1%. We cut that number in half.

inactive
Inactive by default

No card goes live until the recipient clicks to activate it.

device
Device-linked access

Only recognized devices can access card details and spend.

2fa
2-factor authentication

2FA to login with phone or email. No password to remember.

PIN
PIN or Face ID

Biometric or PIN authentication required before every use.

freeze
1-click freeze

Freeze or unfreeze any card instantly. No phone call needed.

share
Share ID’s, not card numbers

Reference and search any card without exposing the full number.

Why Fluz

Why choose Fluz

What actually changes when prepaid is built for the recipient, not just the transaction.

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.

Fluz
Legacy Prepaid
Fluz Legacy Prepaid
Recipient activation Phone-anchored. One click. No app required. Confusing portals. Lost links. High drop-off.
Security model Invisible Shield technology. AI screening. Device intelligence. Pre-activated. Bolted-on compliance. Often manual.
Partner FDIC coverage Up to $10,000,000 on program funds. See disclosure Typically $250,000 or less
Funding Instant. Any time. Bank, credit card, or PayPal. Batch cycles. Business hours only.
Merchant controls Enriched catalog with accurate merchant-to-ID matching MCC codes only. Gaps and overlaps.
Reporting Unified ledger. Declines, balances, transactions. Portal, API and statements. Basic dashboard. Limited visibility.
Access controls Object-level. Card by card if needed. All or nothing.
Fees Pricing built to scale. No inflated transaction costs, volume commitments, or hidden fees. High transaction fees. Volume commitments and penalties. Inactivity fees.
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Stop settling for payouts that barely hold up

See what a modern, fully controlled payout experience actually looks like with Fluz.

Let's work together

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