Overview

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Supported Funding Sources

💡 Bank accounts carry no processing fees and earn the highest cashback rate. Debit cards are the next best option. Credit cards, PayPal, Apple Pay, and Google Pay all carry a processing fee that reduces the effective cashback rate.

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Cashback Rate by Funding Source

ACH / Bank Account    → 4.0%  →  $8.00
Debit Card            → 3.0%  →  $6.00  (–1% processing fee)
Credit Card           → 1.0%  →  $2.00  (–3% processing fee)
PayPal / Apple Pay    → 1.0%  →  $2.00  (–3% processing fee)

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What Can Be Done via API vs. App / Web

🚧 Bank cards are the only funding source addable via the API. All other funding source management — bank accounts, PayPal, Apple Pay, Google Pay, and payment method preferences — must be done through the Fluz app or web portal.

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Bank Account

💡 All accounts under a linked bank login are connected, including savings accounts. Users should remove savings accounts after linking — most banks do not permit payments from savings.

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Bank Card

• Add — addBankCard (requires MANAGE_PAYMENT scope)
• Update nickname — updateBankCardNickname
• Update preferred MCC — updateBankCardPreferredMerchantCategoryCode
• Delete — deleteBankCard (sets status to INACTIVE)

❗️ A bank card must be added as a backup payment method before any transaction can complete. When a user pays via ACH, a temporary hold may be placed on the backup card for the transaction amount. If the ACH payment clears, the hold releases within 1–7 business days. If it does not clear, the backup card is charged instead.

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PayPal / Apple Pay / Google Pay

💡 Some merchants restrict which payment methods they accept. A merchant may accept ACH and debit only, and block credit cards and digital wallets. This is reflected in the blockedPaymentTypes field returned by getWallet.

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Reading Funding Sources via API

query getWallet {
  getWallet {
    bankCards { bankCardId cardType lastFourDigits cardStatus }
    bankAccounts { bankAccountId type status lastFour }
    paypalAccounts { paypalVaultId status email }
    blockedPaymentTypes
    balances {
      rewardsBalance { availableBalance }
      cashBalance { availableBalance }
    }
  }
}