Core
Bank API Integration
Standardized APIs connect your financial institution to payment partners across USSD, web, and mobile.
Channels
USSD · Web · App
The connection layer for modern banks.
Connect once. Reach every payment partner in your market.
For Payment Providers
One API.
One API.
Multiple banks.
Launch Pay-by-Account across web, mobile, and USSD without rebuilding your core systems.
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Consistent API contracts
Same endpoints, same data models, regardless of the underlying core system
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Real-time transaction processing
Sub-200ms API responses with immediate settlement feedback
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Multi-channel support out of the box
USSD, web, and mobile channels through a single integration
POST /api/v1/transactions
{
"phone_number": "233XXXXXXX67",
"bank_code": "BANK001",
"amount": 1000.00,
"currency": "GHS",
"reference": "TXN-20250126-001",
"narration": "Payment for order #12345",
"channel": "ussd"
}
200 OK
182ms
Value
Reduced Integration Costs
Pre-built connectors launch payment partnerships in weeks with zero infrastructure overhead.
Timeline
Weeks not months
Infrastructure
Multi-Channel Support
One integration unlocks all channels. Built for intermittent connectivity and African markets.
Coverage
Urban + Rural
Debit Transaction
₵ 1,000.00 payment
Processed
Settlement
Partner settlement batch
Completed
Webhook Delivery
Status notification sent
Delivered
Real-time Monitoring
Transaction analytics
Active
Built for Reliability
Built for scale.
Built for scale.
Hardened for Africa.
Sub-200ms response times meet production-grade security. Our infrastructure handles intermittent connectivity, high transaction volumes, and the complexity of multi-bank settlement—so your team doesn't have to.
HMAC-SHA256 request signing
TLS 1.3 encryption in transit
Complete audit trails & webhooks
Real-time monitoring & alerting
Your Advantage
Ship faster.
Ship faster.
Scale smarter.
Launch new payment channels in weeks, not quarters, without the engineering overhead of managing multiple integrations.
Power checkout flows with direct account debits
Give customers Pay-by-Account as a payment method with instant settlement, no card fees, and better conversion rates across web and mobile.
Digital Commerce
Scale across financial institutions without scaling engineering teams
Connect to multiple financial institutions with one integration. Add new partners through configuration, not custom development. Built-in settlement reconciliation.
Payment Aggregators
Abstract away core system complexity
Focus on customer experience while we handle integration, security, and compliance. Launch in new markets without negotiating with every financial institution.
Fintech & Neobanks
Frequently asked questions
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No, FLUID is not a payment provider. We are the infrastructure that connects financial institutions to last-mile payment providers and merchants. Think of FLUID as the bridge between your institution and the payment ecosystem. We handle the complex integration work so financial institutions can extend their services to new payment channels and partners without managing multiple custom integrations. Institutions maintain their customer relationships and brand while gaining access to broader payment networks.
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FLUID extends your existing USSD and mobile banking infrastructure with new payment acceptance capabilities. You can offer customers the ability to make payments at merchants, send money, or pay bills using their existing USSD codes or mobile apps without rebuilding your channel infrastructure. We connect your institution to last-mile payment providers, enabling new revenue streams through your current customer touchpoints.
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Payment providers integrate once with FLUID to access multiple financial institution partners through standardized APIs. Scale your payment infrastructure without managing individual integrations. Deploy new partnerships through configuration, not custom development. FLUID handles routing, settlement, and reconciliation automatically.
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Most partners go live within 4 to 8 weeks from kickoff. This includes API integration, sandbox testing, security configuration, and production deployment. Our pre-built connectors and standardized workflows eliminate months of custom development, so you can capture market opportunities faster than building in-house.
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Financial institutions maintain their existing USSD systems and mobile apps while integrating through FLUID's RESTful APIs. Payment providers connect via standardized endpoints with webhook support for real-time notifications. Automated settlement eliminates manual reconciliation overhead.
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FLUID implements multi-layer security with IP whitelisting, HMAC-SHA256/SHA512 authentication, API key management, and multi-tier rate limiting. All communications use TLS encryption, with comprehensive audit trails and immutable event tracking for regulatory compliance.
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FLUID is built by a team with over 20 years of experience developing enterprise systems for banks, financial institutions, and fintechs across Africa. We've pioneered mission-critical infrastructure that processes millions of transactions daily and understand the unique challenges of African financial systems. Our expertise spans payment rails, regulatory compliance, and building for low-connectivity environments.
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Partners receive dedicated integration support, comprehensive API documentation, sandbox environments for testing, and ongoing technical assistance. We provide real-time monitoring dashboards, proactive issue resolution, and regular platform updates. Our team works alongside yours during integration and remains available for production support and strategic consultation as your payment infrastructure scales.
Ready to get started?
Join leading payment providers and financial institutions building on FLUID infrastructure.