Q: 10. WHO ELSE HAS FLUID PAY® BUILT A PAYMENT GATEWAY FOR?

We treat our partner list the same way we’d expect you to treat yours - as confidential. Our entire business model is built on the premise that we don’t compete with our partners and don’t share their books of business with anyone, including other partners. We’ll gladly walk you through references and reciprocal introductions during your due diligence under NDA, but we don’t publish a directory of who runs on the platform.

Question 1

1. HOW CAN I GET FLUID PAY® TO BUILD MY PAYMENT GATEWAY?

Accepted Answer

First -- you must be a qualified payments professional. Although there is
no hard and fast rule on the number of years you have to be in the
industry, on average most companies we work with have been around for
well over 5 years.
Second, you must maintain good standing in the industry. We tend to shy
away from companies that have been involved in frequent litigation or
who have a staff of attorneys that want to prove how great they are. You
have to remember, we've built these products for everyone to use and
we've used our best efforts to make sure they work and that they're
secure. If we compromise integrity or our agreements that could
potentially harm everyone down the chain.
Third -- You have to be willing to learn about the products and services
offered in the gateway. We've simplified the process as best we can --
if you don't spend the time to learn what they can do, you can't expect
your merchants to be able to use them to their full potential. In that
case you're not doing your job and more than likely you're not going to
make much revenue. In that case you'd be better off handing off your
clients to a commercial gateway and pray they don't steal your customers
or sell them a competitive product you offer.
Fourth - You 'GOTTA' be a little odd. We've discovered that our best
partners are characters with fun personalities. We're all different and
that's what makes us great ... but yet we're all the same. We all strive
towards the same thing -- to be happy. One of our mentors use to always
say, "So lighten up Francis -- be a little weird and have fun." But not
too crazy that you can't function. - ( James T.!)

Question 2

2. HOW MUCH DOES IT COST TO GET STARTED

Accepted Answer

That depends on what you want. We know that answer sounds like a cop out
and you're probably right. But the real answer depends on how much
development work is needed to get you going. You can simply use the
'Co-Branded' version of the gateway and that will cost you ZERO. That's
right $0.00. You can get started right now in less than 15 minutes if
you simply want to use a Fluid Pay® branded version of the gateway.
Most companies however want to keep their customers in their own
environment and maintain their own look and feel. We call that a
'Transparent Branded Gateway'. A 'Transparent Branded Gateway' looks and
feels like you've built the gateway and you've spent resources on it,
which helps add to your credibility. In reality, to build a simple
transparent branded gateway, you won't need that much money and it
shouldn't take too much time to build. First off, you'll need a domain
name and an SSL certificate so when your customers come to your site --
it's your site and it's secure. Second, you'll need some of our API
documents (API, Tokenizer, Fluid Cart ect.) -- which will really help
you save time and money.
If you wanted to really go nuts -- we've had some companies build their
entire offering around the gateway. In that case you've guessed it - the
costs are higher. Our API is 100% exposed and if you wanted to, you
could actually build your own front-end to our platform.

Question 3

3. HOW MUCH MONEY CAN I MAKE?

Accepted Answer

The amount you make depends 100% on how much VALUE you provide your
customers. It seems like when you're worried about how much money you're
going to make (or in some cases lose), you typically don't have much of
it. However, when you're concerned about doing the best work for your
customer and you focus on others rather than yourself -- you can earn
barrels full of money. The revenue you generate is dependent on your
business model and the number of products you offer. In our experience
our Partners that understand the products make a ton more than those who
just go through the motions. Have a plan of action before asking how
much you can make.

Question 4

4. WHY DOESN'T FLUID PAY® PROVIDE SERVICES DIRECTLY TO MERCHANTS?

Accepted Answer

Now that's a question we're really excited to answer. Why? We are the
ONLY FULLY 100% cloud-based gateway in the industry and the number of
cloud-based products we have is tremendous and completely scalable.
Volume does not affect us the same way it would affect other
server-based gateways in the industry. We've built more Revenue
Generating products than almost any Gateway in the industry as well,
even those who have been around the longest. From the most-basic
easy-to-use virtual terminal to an entire suite of products such as
"TOKENIZER" which helps merchants quickly set up a hosted payments page
removing themselves from the burden of PCI compliance.
Our Motto:
CANI -- Constant And Never-ending Improvement.

Question 5

5. WHY DOESN&rsquo;T FLUID PAY® BOARD ITS OWN MERCHANTS?

Accepted Answer

From the beginning we recognized the payment industry was too
complicated for most merchants - it contained a minefield that was
littered with hazards for unsuspecting non-professionals. Most merchants
are not capable of navigating the complicated nature of the payment
industry and are unable to determine which products to use to maximize
efficiency, security, and growth. The penalty for not knowing the
industry is significant and for some companies, disastrous.
We do not want to complete with our partners. We truly believe and act
on the fact that the merchants are the partner's, not ours. If we took
merchants directly, why would partners want to use us? We are a
partner-centric company and want the value of the platform to come from
the partners. Plus an additional benefit is merchants want to know they
have someone in their corner taking care of them the whole way. Partners
should always be in front of their merchants and this gives us more time
to do what we love - develop new, exciting, and industry leading
products for our partners to offer to their merchants.

Question 6

6. WHAT ABOUT SECURITY?

Accepted Answer

Today, security is the most important topic in the payment industry.
We've all heard of the many breaches that have happened to major players
in our industry. We have even written many GreenSheet articles over the
years regarding fraud trends. That being said, Fluid Pay® is always
implementing new and improved security technology. For example,
"WatchDog"... a fraud management tool used to set rules and filters to
zero in on preventing and detecting suspicious transactions. WatchDog is
the first payment tool to use a machine learning algorithm as well.
Not all companies in the payments industry have implemented the same
capabilities. If truth be told -- we have some dinosaurs in this
industry that are more concerned with their profits, martini lunches,
expensive cars, houses, and jewelry than they are with protecting
merchant's data/property.
The only thing we can do to truly protect ourselves is to train like
mixed martial artists. There is an old adage that says "Stop conflict
BEFORE it becomes one... in other words, take steps to AVOID being the
victim."

Question 7

7. WHY HAVEN'T I HEARD ABOUT FLUID PAY®?

Accepted Answer

That's simple and a great question... because that's our business model.
We let our partners take the applause! In reality, we don't "let" the
partners accept anything they don't deserve. Our partners have earned
the right to accept the applause because they're in the trenches
fighting the daily battles. They are the rainmakers who close deals and
make it possible for all of us to earn a living and along with everyone
else we appreciate that. Haven't heard about Fluid? Let's keep it that
way!

Question 8

8. HOW LONG HAS FLUID PAY® BEEN IN BUSINESS?

Accepted Answer

Fluid Pay® was founded in 2017 and started building gateways from day 1.
However, our executive team has over 25+ years in the payments space and
technology industry. Our President & CEO Ted Cucci is one of the two
original founding members of Network Merchants, Inc. (NMI). Jeff Rooney
and Nick Cucci also started their careers there as well, helping build
the platform out during their 10+ years each there as well.

Question 9

9. CAN I TRUST FLUID PAY® NOT TO STEAL MY CUSTOMERS OR SHARE MY CUSTOMER LIST?

Accepted Answer

That's a good question. Can you? The fact that we've been doing business
for more than a decade and haven't shared even the name of a transparent
partner with anyone -- including other partners - should be some
indication. Remember, our entire business model is based on the premise
that we don't compete with our partners. We believe our entire business
is based on trust and we understand your customers are your most
important asset. You are ours. We promise we will treat your customer
list and accounts as confidential information and that we will do
everything in our power to maintain your trust.

Question 10

10. WHO ELSE HAS FLUID PAY® BUILT A PAYMENT GATEWAY FOR?

Accepted Answer

We treat our partner list the same way we&rsquo;d expect you to treat
yours - as confidential. Our entire business model is built on the
premise that we don&rsquo;t compete with our partners and don&rsquo;t share
their books of business with anyone, including other partners. We&rsquo;ll
gladly walk you through references and reciprocal introductions during
your due diligence under NDA, but we don&rsquo;t publish a directory of who
runs on the platform.

Grow every merchant channel on one stack without your gateway competing for the relationship.

Built for every kind of partner that sells payments.

Most gateways quietly compete with the partners selling them.

Gateway becomes competitor

Legacy, on-prem stack

Pricing you can't model

Tooling you can't brand

Modern infrastructure. Brand-true tooling. Zero conflicts of interest.

100% cloud-native

True white-label

Non-compete by design

WatchDog fraud engine

Real-time analytics

Processor-agnostic

Four lines we will never cross.

One platform. Twenty-plus revenue-generating products.

Virtual Terminal

Cash Discount

Customer Vault

Recurring Billing

Tokenizer

WatchDog Fraud

Level 3 Processing

Batch Processing

Two ways in. One partner-only platform.