# Fluz

> Fluz is a New York fintech that combines digital gift cards, bank-funded virtual cards, cashback, social rewards, and business spending tools. Its embedded payment platform lets other companies offer wallets, rewards, and payouts within their own products.

- **Founded:** 2018
- **Headquarters:** New York, United States
- **Founders:** Maurice Harary (Founder and CEO), Stefan Krautwald (Co-founder; historical executive board member)
- **Products:** Digital gift cards, Virtual cards, Fluz Parties, Network royalties, Fluz Business
- **Notable:** Company reports $5B+ in processed consumer and business payments., Homepage reports $100M in cashback to personal and business users., Company reports more than 9,000 businesses using Fluz.

## Products & services

- **Digital gift cards** — Merchant gift cards with cashback rates disclosed before purchase.
- **Virtual cards** — Bank-funded Mastercard virtual cards with advertised 1.5% cashback, merchant locks, limits, and auto-freeze controls; merchant terms apply.
- **Fluz Parties** — Timed gift-card events with boosted rewards and additional bonuses when group spending reaches a target.
- **Network royalties** — Purchase-based referral earnings extending up to five connections, subject to activity and program terms.
- **Fluz Business** — Corporate cards, procurement gift cards, bill pay, permissions, ledger exports, and shared spend accounts.
- **Bill Pay** — Manage and fund eligible bills through the Fluz interface.
- **Fluz Platform** — Embedded pay-ins, wallets, controlled spend, incentives, and disbursements for software companies.
- **Fluz Travel Card** — Cards with client-specific booking details and advertised 2.5% cashback on eligible merchants; exclusions apply.
- **Virtual Account Numbers** — Dedicated incoming-payment identifiers for organizing money into spend accounts.

## Achievements

- Company reports $5B+ in processed consumer and business payments.
- Homepage reports $100M in cashback to personal and business users.
- Company reports more than 9,000 businesses using Fluz.
- Company states SOC 2 Type II controls and PCI DSS compliance.
- Historical campaign reported 30,000 users in the first 100 days.

## Latest updates

- **2026-09** — Published product values and Instacart merchant campaign case study.
- **2026-08** — Announced Virtual Account Numbers and published Bath & Body Works case study.
- **2026-06** — Published Authorized Users feature announcement.
- **2026-05** — Introduced Fluz Travel Card.
- **2026-02** — Announced Fluz Platform expansion into embedded payments.

## Links

- Website: https://fluz.app/us/
- LinkedIn: https://www.linkedin.com/company/fluzapp/
- Twitter/X: https://twitter.com/fluzapp
- YouTube: https://www.youtube.com/channel/UCaM314EU0AYiB6kHpra72Yg
- Instagram: https://www.instagram.com/fluzapp/
- Facebook: https://facebook.com/profile.php?id=100068857032131
- TikTok: https://www.tiktok.com/@fluz.app

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Profile page: https://yespress.io/fluz
Published by YesPress — https://yespress.io
Last updated: 2026-10-03