Welcome to Fluid Financial LLC
Fluid Financial LLC is a financial and technology company that provides a unique and complementary portfolio of solutions for organizations of all sizes and across various industries. Our offerings enhance privacy and provide additional services to customers looking to increase revenue and ensure industry compliance.
About Fluid Financial LLC
Our Mission
At Fluid Financial LLC, our mission is to empower organizations of all sizes and industries with innovative financial services and technology solutions. By providing a unique and complementary portfolio of offerings, we strive to enhance privacy, deliver additional value to customers, boost revenue potential, and ensure seamless industry compliance.
ICE Token and MED Token
Instant Confidential Exchange (ICE) and Medical Encrypted Data (MED Token) solutions provide a privacy layer between end customers who are transacting with credit or debit cards and card issuers. ICE and MED are uniquely suited for situations where end customers or merchants need to protect sensitive transaction details, such as the transaction descriptions that appear on customer card statements.
Our Services
Fluid Financial offers a comprehensive set of integrated solutions, including merchant onboarding, configuration, deployment of payment capture methods (like point-of-sale
(POS) terminals, virtual point of sale, and digital payment processing), transaction management, reporting, platform extensibility, user account provisioning, and an advanced AI-enabled rules engine.
The ICE Token: Revolutionizing Consumer payment processing
Revolutionizing Hospitality Payment Processing
Revolutionizing Hospitality Payment Processing
Integrating the ICE (Instant Confidential Exchange) Token introduces a groundbreaking secure payment processing solution tailored for the hospitality industry. Designed to ensure compliance with the data privacy protection laws of 23 states, the ICE Token offers an unmatched combination of efficiency, security, and consumer empowerment through advanced tokenization technology.
Seamless Deployment on Cutting-Edge Platforms
Revolutionizing Hospitality Payment Processing
The ICE Token solution is seamlessly deployed via Fluid Financial’s merchant processing platform. By leveraging the PAX terminal application, businesses can utilize this innovative system through either standalone or virtual terminals, ensuring flexibility and adaptability to diverse operational needs.
Transforming Transactions Through Tokenization
Transforming Transactions Through Tokenization
The ICE Token embodies a transformative approach to consumer payment processing. By prioritizing data security, regulatory compliance, and consumer empowerment, this tokenization system is redefining transaction management in the hospitality industry, setting a new standard for secure and efficient payments.
Avoiding Costly Regulatory Risks
Transforming Transactions Through Tokenization
Non-compliance with data privacy laws can lead to significant penalties, including fines of up to $1 million per occurrence. Additionally, businesses may face civil lawsuits and class action exposure for invasion of privacy. The ICE Token system helps mitigate these risks by ensuring adherence to stringent regulatory standards, protecting both businesses and consumers.
States that Passed Data Privacy Laws
States that Passed Data Privacy Laws
California, Colorado,Connecticut, Delaware, Florida, Illinois Indiana, Iowa, Kentucky, Montana, Nebraska,, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, Virginia
Introducing MED Token (Medical Encrypted Data)
MED Token: Meeting Compliance Standards
Empowering Patient Consent and Data Masking
Empowering Patient Consent and Data Masking
MED Token provides a cutting-edge solution that meets both HIPAA and CURES Act requirements. By upscaling payment data encryption, it incorporates proactive patient consent and identity data masking, as mandated by HHS/OIG. These features ensure that payment data is secure and compliant with the latest regulations, protecting both patients and healthcare providers.
Empowering Patient Consent and Data Masking
Empowering Patient Consent and Data Masking
Empowering Patient Consent and Data Masking
MED Token introduces a new consent process, enabling patients to authorize the tokenization and retention of their payment data at the merchant or provider level. Additionally, it ensures privacy compliance by masking user identities and transaction locations. For instance, credit card statements display only the merchant processor's name as the provider of medical services, maintaining confidentiality and regulatory adherence.
A Seamless, Revenue-Neutral Solution
Empowering Patient Consent and Data Masking
A Seamless, Revenue-Neutral Solution
MED Token ensures patient opt-in compliance for storing and accessing data at the merchant or provider level. It is a revenue-neutral solution, easily deployed via our merchant processing platform, allowing organizations to achieve compliance effortlessly while safeguarding sensitive patient information.
HIPAA: Safeguarding Patient Privacy
CURES Act: Enhancing Encryption Standards
A Seamless, Revenue-Neutral Solution
Enacted in 1996, the US Health Insurance Portability and Accountability Act (HIPAA) establishes strict standards to protect patient privacy and secure health information. It mandates that healthcare providers, insurers, and organizations handling patient data implement robust safeguards to prevent unauthorized access or misuse of sensitive information. HIPAA governs the management, transmission, and storage of protected health information (PHI), ensuring compliance with stringent privacy measures.
CURES Act: Enhancing Encryption Standards
CURES Act: Enhancing Encryption Standards
CURES Act: Enhancing Encryption Standards
The 2016 CURES Act expands data privacy requirements for entities handling PHI, including those processing credit and debit card transactions. This legislation demands elevated encryption levels beyond those previously required under HIPAA, compelling organizations to privatize sensitive data more rigorously. These updates aim to address emerging threats and ensure comprehensive data protection across the healthcare ecosystem.
Elevated Compliance Expectations
CURES Act: Enhancing Encryption Standards
CURES Act: Enhancing Encryption Standards
Tokenized and encrypted payment data alone is no longer sufficient to meet regulatory standards. The Department of Health and Human Services (HHS) Office of the Inspector General (OIG) has heightened enforcement, levying penalties against entities that fail to adopt advanced privacy measures. This underscores the need for next-generation encryption solutions to remain compliant.
Dual Payment Processing
Challenges with Credit and Debit Card Surcharges
Challenges with Credit and Debit Card Surcharges
Challenges with Credit and Debit Card Surcharges
Major card issuers like Mastercard and Visa discourage the use of surcharges on credit and debit card transactions, often prohibiting them contractually unless merchants obtain prior approval. These approvals are difficult to secure, come with numerous restrictions—such as excluding debit card transactions—and are frequently denied. Additionally, states like Connecticut, Maine, Massachusetts, and Oklahoma legally prohibit card surcharges, while many other states have ambiguous laws, making compliance a significant challenge for businesses.
The Rise of Dual Payments Processing
Challenges with Credit and Debit Card Surcharges
Challenges with Credit and Debit Card Surcharges
As card issuer fees continue to rise, dual payments—also known as dual pricing, dual processing, or cash discounts—offer an effective alternative. Instead of adding surcharges to card transactions, this model increases the listed prices of all goods and services to account for card fees, typically around 3.2%. Customers who pay with cash or cash-equivalents are then rewarded with a corresponding discount, reversing the traditional surcharge framework.
A Straightforward Cost-Saving Solution
Challenges with Credit and Debit Card Surcharges
A Straightforward Cost-Saving Solution
Dual pricing is a simple yet highly effective tool for reducing costs and boosting profitability. By incorporating merchant processing fees into product prices, businesses can offset the financial burden of card issuer fees. The resulting savings, which can be calculated by analyzing monthly or annual processing expenses, directly contribute to the bottom line, making dual payments a compelling strategy for many merchants.
Fluid’s Dual Pricing Advantage
Fluid’s Strategy for Expanding Adoption
A Straightforward Cost-Saving Solution
Fluid offers an innovative dual pricing solution through its software and compatible POS hardware, unlocking up to an additional 3% in bottom-line revenue for merchants. This approach has already proven successful, enabling Fluid to secure merchant processing contracts with organizations like the National Restaurant Association, representing over 100,000 restaurants, as well as numerous smaller businesses and retailers. The simplicity and value of dual pricing have helped Fluid close multiple accounts and demonstrate its transformative potential.
Overcoming Barriers to Adoption
Fluid’s Strategy for Expanding Adoption
Fluid’s Strategy for Expanding Adoption
Despite its advantages, dual pricing has been slow to gain widespread adoption due to technical and regulatory challenges. Many businesses rely on outdated POS terminals or legacy systems that are incompatible with the software required for compliant dual pricing implementation. These technical hurdles, along with regulatory complexities, have deterred some merchants from adopting this cost-saving approach.
Fluid’s Strategy for Expanding Adoption
Fluid’s Strategy for Expanding Adoption
Fluid’s Strategy for Expanding Adoption
Fluid addresses these challenges with a clear strategy to secure significant merchant processing contracts. By offering to cover the upfront costs of hardware upgrades in exchange for longer processing contract terms, Fluid removes a major barrier to entry for businesses. This proactive approach accelerates adoption, enabling more merchants to benefit from dual pricing while positioning Fluid as a leader in the merchant processing industry.
Traditional Payment Processing
Dedicated to Traditional Payment Processing
Zero-Cost Equipment with Value-Added Services
Zero-Cost Equipment with Value-Added Services
Traditional payment processing has been a cornerstone of commerce for decades, and Fluid Tech is committed to delivering these services with the business owner's needs in mind. We go beyond just offering competitive rates—our promise is to beat any current processing rate while adding tangible value to your business operations.
Zero-Cost Equipment with Value-Added Services
Zero-Cost Equipment with Value-Added Services
Zero-Cost Equipment with Value-Added Services
Fluid Financial’s zero-cost equipment program provides more than just payment processing. It includes a suite of valuable services such as eGift Cards, Virtual ATMs, Virtual Banking for the unbanked, loyalty programs, and more. These features are designed to offset credit card processing fees while enhancing the overall customer experience and improving operational efficiency.
Significant Savings for Businesses
Zero-Cost Equipment with Value-Added Services
Empowering Businesses to Reduce Costs
Credit card fees can place a heavy burden on businesses, especially during challenging times. Companies partnering with Fluid Financial have saved anywhere from thousands to millions of dollars, depending on their transaction volume. Every dollar saved can be reinvested into the business, making a significant difference in achieving financial stability and growth.
Empowering Businesses to Reduce Costs
Empowering Businesses to Reduce Costs
Empowering Businesses to Reduce Costs
At Fluid Financial, our mission is to empower businesses to take control of their credit card processing costs. By offering a Traditional Payment Program with low, flexible month-to-month rates, we help businesses minimize processing fees and retain more of their hard-earned revenue.
Unmatched Payment Processing Benefits
Empowering Businesses to Reduce Costs
Unmatched Payment Processing Benefits
Fluid Financial stands apart from competitors by offering payment processing benefits that go beyond traditional solutions. Our unique approach provides exceptional value to both merchants and their customers, fostering loyalty and strengthening the business’s competitive edge.
A Partner You Can Rely On
Empowering Businesses to Reduce Costs
Unmatched Payment Processing Benefits
Fluid Financial is more than just a payment processor—we are a partner dedicated to your success. By delivering reliable, cost-effective, and innovative solutions, we aim to support businesses of all sizes in navigating the complexities of payment processing and achieving lasting financial success.
vGift (Virtual Gift Card)
The Booming Gift Card Market
A Flexible, Secure, and Convenient Solution
Introducing vGift: A Virtual Marketplace
Gift card sales in the U.S. are projected to exceed $200 billion in 2023, with annual sales forecasted to surpass $260 billion by 2028. Recognizing this growing market, Fluid secured a distribution and reseller agreement with Incomm, the largest aggregator of gift card brands and retailers, in July 2023. This partnership is a significant achievement for Fluid, as Incomm typically approves contracts with more established companies. Since then, Fluid has successfully completed all onboarding, certification, and approval processes to integrate Incomm’s gift card API into its innovative virtual product marketplace, vGift.
Introducing vGift: A Virtual Marketplace
A Flexible, Secure, and Convenient Solution
Introducing vGift: A Virtual Marketplace
Launched in December 2023, vGift (accessible at vGift.org) offers over 100 digital gift card products, creating a comprehensive platform for virtual products. Featuring a user-friendly web application for consumers and a robust administrator dashboard for issuers, vGift is built on a scalable, enterprise-class cloud architecture. This seamless platform enables consumers to load and reload their vGift balance in U.S. dollars, which can then be exchanged for retailer gift cards, vouchers, promotional offers, and other digital products.
A Flexible, Secure, and Convenient Solution
A Flexible, Secure, and Convenient Solution
Transforming Corporate Spending on Gift Cards
vGift provides a straightforward way for users to send digital gifts. Recipients can redeem their vGift balance for any product available in the catalog, offering flexibility comparable to prepaid Visa or Mastercard debit cards—without the high activation fees, physical restrictions, or security concerns. This convenience and adaptability make vGift an attractive solution for both individual consumers and businesses seeking versatile gifting options.
Transforming Corporate Spending on Gift Cards
Transforming Corporate Spending on Gift Cards
Transforming Corporate Spending on Gift Cards
Businesses can leverage vGift in a variety of ways, including as an incentive for marketing, rewards, rebates, or employee retention programs. It can also serve as a revenue stream through a white-label, affiliate-style program or as a platform for issuing branded gift cards. Additionally, vGift enables organizations to sell intangible products like event tickets, expanding their e-commerce offerings.
Gift Card Industry
Transforming Corporate Spending on Gift Cards
Pioneering Innovation in Digital Gifting
According to the Incentive Research Foundation (IRF), U.S. businesses spent $24 billion annually on gift cards as of 2018. Traditionally considered a budgeted expense, this expenditure can now be turned into a profit center through vGift. By integrating this platform into their operations, organizations can transform gift card programs into revenue-generating tools, enhancing financial performance while maintaining flexibility and engagement with their target audiences.
Pioneering Innovation in Digital Gifting
Transforming Corporate Spending on Gift Cards
Pioneering Innovation in Digital Gifting
Fluid’s strategic partnership with Incomm and the successful launch of vGift underscore its commitment to innovation in the digital gifting space. By combining advanced technology, scalability, and flexibility, vGift offers a solution that benefits consumers and businesses alike. With the potential to reshape how gift cards are distributed and utilized, Fluid is well-positioned to lead the market in virtual gifting solutions.