The API-First Gateway
Built for Partner Growth
Across Every Payment Channel
Fluid Pay is a cloud-based, 100% API-driven payments platform designed for ISO/Agent and ISV partners serving card-present, ecommerce, and omnichannel merchants — from SMB to enterprise. We don't board merchants directly. We enable partners to board faster, support less, and retain more.
ISO/Agent/ISV partners only. Approval required.
Built to win across card-present, ecommerce & omnichannel
Omnichannel-Ready Infrastructure
- • Single platform for card-present terminals, ecommerce gateways, and hybrid merchants
- • Modern API patterns + real-time events for clean checkout flows — online and in-store
- • Event-driven updates to reduce "where is my transaction?" tickets across channels
Lower Support Burden
- • Clear transaction visibility across CP and CNP with unified statuses and exportable reporting
- • Searchable history for ops and support teams — one view for all payment types
- • Terminal management and device monitoring from the same dashboard
Faster Activation, Better Retention
- • Streamlined onboarding for both ecommerce and card-present merchants
- • Built-in lifecycle tooling for ongoing account management
- • Scales from SMB onboarding to enterprise operations without switching platforms
Partner-first by design
Everything your organization needs to
scale payments across channels
API-Driven Payments Infrastructure
- Clean REST APIs for transaction lifecycle, refunds/voids, and reporting
- Webhooks for real-time status updates and automation
- Sandbox-to-production parity for smoother launches
- Unified API across card-present and card-not-present transactions
Card-Present & Terminal Support
- Semi-integrated and standalone terminal options
- Cloud-based terminal management and device provisioning
- EMV, contactless/NFC, and swipe support
- Consistent transaction data model across CP and CNP
Ecommerce & CNP Workflows
- Hosted payment pages and custom checkout integration paths
- Subscription and recurring billing support
- Customer vault + token re-use for frictionless repeat purchases
- Event-driven updates to keep merchant systems in sync
Tokenization & Customer Vaulting
- Secure customer vault patterns for saved cards and recurring
- Token-first workflows to reduce merchant PCI scope and simplify re-use
- Works across channels — token a card in-store, charge it online
Portfolio Reporting & Ops Visibility
- Omnichannel visibility: declines, refunds, disputes, and exports across CP and CNP
- Partner-level reporting for reconciliation and operations
- Searchable transaction + customer history with advanced filtering
Partner Hierarchy & Controls
- Sub-ISO / agent structure support
- Role-based permissions (agent, ops, admin)
- Audit-friendly activity tracking
- White-label and co-branded options for ISV partners
ISV & Software Integration Tools
- Embeddable payment components for SaaS and vertical software platforms
- Pre-built integration patterns for common ISV use cases
- Partner-level API keys and merchant provisioning via API
- Revenue sharing and referral tracking support
Designed for partners who scale payments across channels
Not a fit
Direct-to-merchant signups. Fluid Pay does not board merchants directly.
Get enabled in three steps
Apply
Share your ISO/Agent/ISV profile, channel focus, and portfolio goals.
Get Enabled
We provision partner access, sandbox credentials, terminal configurations (if applicable), and onboarding tooling.
Start Boarding & Scaling
Board merchants via dashboard or API across card-present and ecommerce, and manage the full lifecycle with reporting + webhooks.
Frequently Asked Questions
No. Fluid Pay works exclusively through approved ISO/Agent and ISV partners.
Yes. The platform supports the full spectrum — EMV terminals, contactless/NFC, ecommerce, recurring billing, and omnichannel workflows — all through a single API and dashboard.
Yes. Fluid Pay provides clean APIs, embeddable components, and partner-level provisioning tools designed for ISVs and software platforms that want to embed or resell payments.
Yes. Fluid Pay is designed to scale from streamlined SMB onboarding to higher-volume enterprise operational needs without switching platforms.
Yes — Fluid Pay is 100% API-driven and supports real-time eventing via webhooks for transaction updates, dispute notifications, terminal events, and more.
Fluid Pay supports semi-integrated and standalone terminal options with cloud-based management. Contact us during onboarding for current device availability.
A quick application and review of your ISO/Agent/ISV business model and go-to-market approach. We review every application and respond with next steps.
Become a Fluid Pay Partner
Tell us about your organization and payment channel focus. We review every application and follow up with next steps.
We'll respond with next steps after review.