Core
Pay by Bank
Use bank accounts like mobile money—approve and pay instantly without cards or wallets, across apps, USSD, and checkout flows.
Channels
USSD · Web · App
FLUID enables Pay by Bank online and offline, using proprietary technology designed for Africa’s financial infrastructure and social landscape thus delivering secure, instant, and universal payments where open banking cannot.
Core
Use bank accounts like mobile money—approve and pay instantly without cards or wallets, across apps, USSD, and checkout flows.
Channels
USSD · Web · App
Value
Cut costs by removing expensive card networks and intermediaries. Keep more revenue where it belongs.
Lower costs
By at least 40%
Offline
Approve payments securely over USSD. Works without data, designed for low‑connectivity environments.
Coverage
Urban + Rural