Fluz API Overview

The Fluz API lets you embed money movement directly into your platform, program, or workflow — pay-ins, wallets, spend, rewards, and disbursements — through a single integration with one unified ledger. Fluz has processed over $5 billion across cards, wallets, pay-ins, payouts, and bill payments.

This overview covers what you can build, how the API works at a high level, and the fastest path to your first successful call. We recommend skimming it before diving into the guides.

Five ways money moves

The API maps to Fluz's core money-movement solutions, which you can use together or on their own:

Pay-Ins — Bring funds into your platform through configurable deposit and funding flows, with support for multiple payment methods (bank, card, PayPal, wallet balance), automated settlement and reconciliation, and real-time balance updates.
Wallets — Open dedicated spend accounts that govern how funds are held and used, backed by user onboarding and identity verification, virtual account numbers, and a universal ledger.
Spend — Issue network-accepted, branded virtual cards embedded in your product, with user-controlled balances, merchant and category spend controls, and engagement and loyalty features.
Rewards — Distribute incentives through digital gift cards and prepaid cards with instant delivery, flexible funding sources, and real-time tracking.
Disbursement — Deliver fast, secure payouts across preferred payment methods, with open-loop payout options, embedded payout flows, and built-in compliance.

What you can build

A few flagship patterns the API is designed for:

Embedded wallets — Move money in both directions between your platform and your customers. A one-time OAuth connection creates a persistent wallet-to-wallet link, so you can pay out with a single API call, let customers spend via virtual card, bank transfer, bill pay, or gift cards, track every movement in a real-time ledger with merchant-level data, and accept pay-ins back in — all through one integration. See the embedded wallets solution.

Open-loop prepaid cards — Issue configurable Visa and Mastercard cards for incentives, recognition, and disbursements. Cards can be virtual or physical, single-load or reloadable, Apple/Google Wallet–ready, restricted by category or merchant, and ordered in bulk (up to 10,000 at a time) with white-label or co-branded card art. See open loop cards.

These power real-world programs like employee recognition, sales SPIFFs, customer loyalty, referral rewards, gig-worker and creator payouts, insurance claim payouts, market-research incentives, and user spend/allowance programs.

Beyond these, the API also covers gift card purchasing (a catalog of thousands of brands with offer comparison, best-offer lookup, and stock checks), authorized users, transaction reporting and annotation, embedded JavaScript widgets with webhooks, and customer registration with KYC/KYB verification.

How the API works

A few things to know before your first request:

It's a GraphQL API. You send queries and mutations to a single endpoint rather than calling REST routes. The staging endpoint is https://transactional-graph.staging.fluzapp.com/api/v1/graphql.
Authentication is two-step. You authenticate with your API key (Basic auth) to generate a short-lived User Access Token, which carries the specific permission scopes an operation requires (for example, CREATE_VIRTUALCARD). You pass that token as a Bearer token on subsequent requests. See the Authentication & Authorization Guide.
Test before you go live. A full staging environment lets you build against sandbox keys, test bank accounts, and test card offers before switching to production.
Requests are idempotent. Use idempotency keys to safely retry requests without duplicating purchases or transfers.
Multiple paths to launch. Beyond the raw API, you can use low/no-code widgets and plug-and-play snippets, drop-in API adapters for existing integrations, and an OAuth-secured KYB/KYC "Comply" widget to automate onboarding.

Built on regulated, secure infrastructure

Fluz applies bank-grade controls across every money movement: SOC 2 Type II and PCI DSS compliant, continuous 24/7 fraud monitoring, and built-in KYC/KYB. Spend account funds are held by FDIC-insured banking partners, with pass-through deposit insurance coverage available up to $10,000,000 under certain conditions.*

Get started

Prepare your accounts — create your Fluz account and register your first application.
Obtain your API credentials and generate a User Access Token.
Perform your first API actions — deposit funds, browse merchants, and purchase your first gift card.

From there, explore the guides for virtual cards, wallets & transfers, and embedded widgets, or jump to the API Reference.

Want to learn more? Contact us at [email protected] to speak with our experts or request a demo.

*FDIC disclosure: Fluz is a financial technology company, not an FDIC-insured bank. Banking services are provided by our FDIC-insured bank partners. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance up to $10,000,000.00 is available on customer funds through pass-through insurance provided by bank partners where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met. There may be a risk that FDIC insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.

Get started here.