Our algorithm chooses the best payment providers based on your most important parameters, COST, TIME, AND RELIABILITY


“Fluid Fintec is on a mission to deliver the smoothest and most efficient transfer of value for Financial Institutions and companies requiring a best in class payment solution. ”

Contextually Aware

No matter where your customers are on the planet or what they are paying for the Fluid Payments Optimiser will automatically select the best based on trust, reliability, time and cost. This payments optimiser feeds directly into their banking application.

Easy Integration

Easily integrate our payments platform into your website. Our range of integration methods include Wocommerce plugins and a single API which is easy integrated into a range of platforms. This provides a multitude of different payment options via a single interface.

Payments Know How

Rest assured that our our team has years of experience and expertise in banking and payments. So whether you wish to avail of the best rates and service for your online payments or make bill payments easy and cost effective for your customers  we are here to help.


Transparency, Efficiency, Traceability and Cost Saving

International transfers can be a fraught experience. Whether it’s an e-commerce transactions , a bill pay or remittance payment many ‘middle men’ sit in the middle taking their cut and adding to transaction times. Fluid solves this by providing a solution that always gives the best payment options in terms of cost, speed of settlement, security privacy and reliability.

Omni-channel access for your customers.

Our software is available on phones, tablets and desktops. Anywhere, anytime.

A Unique Proposition
1. The only platform where payment service providers actually compete for your payment business. It is like an auction in reverse, a Trivago for payments if you will.
2. With system optimisation and the customer at the centre of every decision you can be sure that loyalty is maintained. There will no need for them to look elsewhere for a better deal as you will always be proving it.
3. Certainty of the underlying transaction and the payment outcome for our partners is a game-changing proposition, giving increased levels of satisfaction all round. Privacy is also guaranteed when our ICE tokenised payment system is used.
Secure distribution
When you combine security with trust and a speedy cost effective service you are usually onto a real winner. This is exactly what Fluid achieves with its’ payments optimiser. It will never choose any payment channels that does not tick the security box. How is this done? Using state of the art software tools combined with Artificial Intelligence (AI) it ensures that payments never go through partner channels that have had issues in the past and/or do not conform to OWASP 10 Security Standards. Fluid Fintec provides peace of mind for all transactions big and small.
Scalable Platform with Durable Competitive Advantage
1. Fully scalable, legacy-free, cloud-based infrastructure.
2. A comprehensive list of integration options allows you to provide services to your customers via a range of different platforms and devices allowing you to grow your business fast.
3. Proven Blockchain/Distributed Ledger Technology can process 8 times more transactions per second compared to Ethereum. This provides a secure, private and immutable record of all transactions. The system also interfaces with digital currencies allowing you to accept multiple payment methods.
Market Feedback
Trustpilot is littered with reviews from merchants who have been treated poorly having money withheld or being terminated without notice. With Fluid Fintec these customer ratings determine whether a payment service provider is used before a payment is routed through their system. Once a payment is complete the feedback is gathered and suggestions for improvement are incorporated into the learning engine using sophisticated algorithms. As the system is always learning it is always improving, ensuring the best service available.
Cross Border - No Problem!
1. Core bank banking platforms rarely provide customers with integrated multi- option payment solutions. This lost opportunity can lead to customers going elsewhere to make payments.
2. With Fluid Fintec making payment to loved ones at home or a business in another part of the world becomes a breeze.
With our Fluid Fintec solution customers can access the best channels directly from their banking or payments application.
3. Connected services can include the current ‘heavy hitters’ such as Transferwise, Currency Fair, Payoneer, Western Union etc. Algorithms will always choose the best for you and your customers.
Partner Benefits
COST EFFECTIVENESS: Provides the most cost effective channels for payment routing. Middle men reduced to a minimum.
RELIABILITY : Always on service thanks to Fluid Payments Optimiser engine switching automatically to another provider if one goes down.
GLOBAL REACH: Attract more customers with a truly worldwide offering.
RISK REDUCTION: Material reduction in risk with our AI centric fraud detection systems.
REDUCTION IN ADMIN: Reduce admin and paperwork by as much as 50% with Fluid Fintec merchant and partner management systems.