Introducing Bill Pay: Streamline spending, simplify life

Most people manage their money in pieces. You deposit funds into one account, pay bills from another, and juggle different apps to track it all. This back-and-forth creates unnecessary complexity, and often, means missing out on opportunities to make your money work harder.

For Fluz members, the solution was clear: if you’re already depositing funds into your Fluz account to unlock cashback and rewards, you shouldn’t have to withdraw that money just to cover your bills elsewhere.

The evolution of Fluz

Bill Pay was built with a simple idea in mind: what if the same account you use to earn cashback could also handle your bills? No transfers, no extra steps — just one platform where you can earn, manage, and pay.

It’s more than a payment tool. It’s the next step in Fluz’s vision to help users spend smarter, manage better, and track effortlessly — all from one place.

How it fits into your financial strategy

Fluz Bill Pay isn’t a standalone feature — it’s an integrated part of the Fluz ecosystem. By handling Bill Payments inside Fluz, you:

Keep your earnings and expenses linked in one system.
Eliminate extra transfers that cost time and sometimes fees.
Create a centralized record of both purchases and payments, simplifying your personal or business accounting.

One hub for earning, paying, and tracking

Bill Pay turns your Fluz account into a complete financial hub. You can:

Pay directly from Fluz without moving funds back to a bank account, or use a linked bank account or eligible card for flexibility.
Access a network of over 80,000 billers including credit cards, auto loans, student loans, mortgages, utilities, insurance, and more.
Choose your payment speed — standard delivery in up to 5 business days, or expedited settlement in as little as 24 hours.
Automatically sync your bills to get started faster, or manually add any biller from the network.
Track and manage billers with nicknames, payment history, and a unified dashboard.
Pay securely with bank-level encryption, biometric authentication, and SOC-II compliant systems.

Feature snapshot

Feature	What it means for you
Pay from Fluz	Track tax payments separately from other expenses
Multiple methods	Pay from Fluz, linked bank, or eligible card
Wide biller support	Over 80,000 billers in network ranging from utilities, insurance, subscriptions, loans, and more
Security first	Bank-grade encryption, SOC-II compliance, biometrics
Expense tracking	Monitor spend and earnings from one dashboard

The key benefits

Simplified payments

With Bill Pay, your Fluz balance can be used to pay bills. No waiting for transfers, no toggling between bank apps, and no double-handling your funds. You deposit once, and you’re ready to go.

Smarter money management

Bill Pay connects seamlessly to the rest of Fluz, giving you a real-time view of how you spend and save in one place. Your bill payments sit alongside your cashback earnings, creating a complete picture of your financial flow. This makes it easier to budget, plan ahead, and spot opportunities to maximize your rewards.

Flexible payment options

While paying directly from your Fluz balance is the fastest way to get started, you can also use a linked bank account or eligible cards for added flexibility. Standard payments arrive within five business days, while expedited payments can settle in as little as 24 hours for urgent needs. No matter your timeline, you stay in control of how and when your bills are paid.

Security you can trust

Every Bill Pay transaction is protected with bank-level encryption, biometric authentication, and SOC-II compliance. Whether you’re paying a small recurring subscription or a high-value invoice, security is built into every step. That means you can focus on managing your finances, not worrying about payment risks.