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Loyalty & rebate programs

Rebates that bring customers back.

Pay loyalty rewards and rebates to a virtual card in seconds — no checks, no prepaid inventory — and stay in your customer's wallet long after the payout lands.

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A check in six weeks isn't a reward.

The payout is the moment your program either wins the next purchase or loses the customer. Fluz makes it instant, verified, and a reason to come back — on both sides of the payout.

Pay rewards out instantly
Approved rebates settle to a virtual card in seconds. No more waiting.
Lower the cost of every payout
Cut check runs, prepaid inventory, and per-card load fees from your program.
Compliance handled automatically
KYC runs on every payout, using rules your team sets. Hold or flag anything before it moves.
A built-in rewards program
Cashback keeps your card in daily use — and you never build or maintain a rewards system.
Put your brand in their wallet
Brand the card so your program stays visible in your customers' digital wallets.
No chargebacks, no reversal risk
Payouts are push transactions — money moves once, cleanly, with a full audit trail.
Their money, the same minute
The reward is spendable the moment it's approved — no mail, no activation calls.
Spend it anywhere
Online or in store, everywhere Mastercard is accepted, via Apple or Google Pay.
No fees to get paid
No withdrawal fees, no activation charges, no fine print eating the reward.
Up to 25% back on gift cards
Digital gift cards across 700+ retailers — Amazon, Walmart, Uber, DoorDash, and more.
1.5% back on everyday spend
The card keeps earning on groceries, gas, and coffee — even off gift cards.
Safe, private, and in their control
Pause or lock the card anytime, or move the balance to their own bank account.

From funding to the next purchase, one payout loop.

Fund

One wallet funds every payout

Your program holds a master Fluz wallet. Fund it from your bank or straight from your processor when a big rebate cycle needs money fast — then every payout draws from one balance you can see.

Fund directly from your processor
One balance across all payouts
Move money by API
Verify

Customers verify once, on your link

Each recipient clears identity verification through a branded link you share — once, in minutes. From then on, money moves between your wallet and theirs with the compliance already done.

Branded verification link for your program
KYC clears in minutes, not days
Business recipients verified by document review
Pay out

Rewards land in seconds

Push a payout by API and it lands as a virtual Mastercard in your customer's Apple or Google Wallet — spendable the same minute, anywhere they already shop. Prefer cash? They can move it to their bank instead.

Virtual card issued in seconds
Spend anywhere Mastercard is accepted
Bank transfer as an alternative
Re-engage

The payout isn't the end of the relationship

A check gets cashed and forgotten. The card you issued keeps earning cashback on everyday spend — and that cashback can flow straight back into your customer's balance with you, not sit in Fluz.

Cashback keeps the card in daily use
Cashback can auto-sweep to their account with you
No rewards program for you to build or run
Re-deposits

Turn payouts into deposits.

The money can move the other way too. Customers top up their account with you straight from their Fluz balance or a linked funding source — so the reward you paid out comes back as their next deposit.

Top up from Fluz balance or linked funding sources
Instant — no wait between the reward and the re-deposit
You choose whether and how to enable it for your program
Built-in rewards

The reward on top of the reward.

Every card you issue comes with a rewards program your customers actually use — and you never have to build, fund, or maintain it. See terms

1.5% back on everyday spend
Groceries, gas, coffee — the card earns wherever they already shop.
Up to 25% back on gift cards
Digital gift cards across 700+ retailers turn a small rebate into a bigger one.
Cashback that sweeps back to you
Earnings can auto-route to the customer's balance with your program — not sit in Fluz.
Dunkin Macy's Ebay Doordash Walmart Uber Dunkin Macy's Ebay Doordash Walmart Uber
Launch faster

Add it to your product, not to your roadmap.

The whole experience — sign-up, wallet, and card — ships as one plug-and-play module you drop into your app or website. It handles everything, so your team isn't building a payments system from scratch.

Explore the documentation
Plug-and-play widget
Sign-up, wallet, and card in one module you drop straight into your product.
Fully white-labeled
Your brand, start to finish — customers never leave your experience to get paid.
Handles everything
Verification, payouts, and compliance run underneath, so you don't have to.
Clear documentation
Thorough, well-organized guides walk your team through every step.

Questions, answered.

How do we fund payouts?
Your program holds a master wallet on Fluz. Fund it from your bank account, or directly from your payment processor when you need money in position quickly for a big rebate cycle. Every payout draws from that one balance, and you can move funds by API.
What does the customer experience look like?
They tap a verification link branded to your program, confirm their identity in minutes, and their wallet is live. From then on, every reward you send lands as a virtual Mastercard they add to Apple or Google Pay — no app hunting, no activation calls, no waiting on the mail.
Where can customers spend their rewards?
Anywhere Mastercard is accepted, in store or online, the same day the payout lands. Customers who prefer cash can move the balance to their own bank account instead.
How is this different from mailing checks or loading prepaid cards?
Speed and what happens after. A check takes weeks to arrive and ends the relationship when it's cashed; a prepaid card carries inventory, load fees, and fine print your customers resent. A Fluz payout lands in seconds, costs less to send, and the card keeps earning cashback — which keeps your program in their wallet.
Can the money come back to our program?
Yes, two ways. Cashback the card earns can automatically sweep back to the customer's balance with your program instead of sitting in Fluz. And customers can top up their account with you directly from their Fluz funds or linked funding sources — so the payout you sent circles back as their next purchase.
What compliance controls do we get?
Every recipient clears identity verification before a dollar moves, and checks run on every payout using rules your team sets. You can approve, hold, or flag anything that needs a closer look, and every transaction stays traceable to its recipient, program, and date.
Can we pay businesses as well as consumers?
Yes. Dealer incentives, channel rebates, partner payouts — business recipients verify through document review, get their own wallet, and receive payouts the same way: instantly, to a virtual card or their bank account.
How fast can we launch?
Days, not quarters. Open your account, fund your wallet, and share your verification link — your customers onboard themselves from there. The payout API is a single integration, and our team walks yours through it.

Turn your next payout into their next purchase.

Fund your wallet, share your link, and pay your first rebate in seconds. Set up in days.

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Rewards terms

Instant cashback of 1.5% applies to eligible merchants as detailed in the Terms of Service; some merchant exclusions may apply. Gift card cashback rates vary by retailer, up to 25% at participating retailers. All other purchases at non-eligible merchants earn 0% cashback.