You can send payments from the Payments page on the Fluz website. Send money to another Fluz member, or send a prepaid Mastercard to anyone by email or phone.
Payments is rolling out gradually. If you don't see Payments in the top menu, it isn't on your account yet. Stay tuned for the feature to be added to your account.
What you can send
Option | Who you can send to | How it works |
Money | Fluz members only | Goes straight to their Fluz balance. Arrives instantly. |
Mastercard | Anyone, by email or phone. They don't need a Fluz account. | A prepaid Mastercard they can use for purchases. You're charged only as they spend it. |
Send money (Fluz members only)
Go to Payments and select Send payment.
Choose Money.
Select Search on Fluz and enter the recipient's email or phone number.
Enter the amount and select Review.
Choose your funding source, check the details, and select Send now.
The money arrives in their Fluz balance right away. Sends to a Fluz member are final and can't be cancelled, so double-check the recipient before you send.
To receive money, the recipient must have a Fluz account that's verified and based in the US. If not, the payment won't go through and your money stays with you.
Send a Mastercard (anyone)
Go to Payments and select Send payment.
Choose Mastercard.
Enter the recipient's email or phone number.
Enter the amount (at least $5).
Under How will you pay?, select Pay as the recipient spends.
Choose when the card expires: in 2, 4 or 6 months, or a custom date.
Choose your funding source, check the details, and select Complete.
The recipient gets a message with a link to activate the card. The card can be used for purchases only, not cash withdrawals.
How "Pay as the recipient spends" works
You aren't charged when you send the card. You're charged only when the recipient uses it, up to the amount you set. Anything they don't spend stays in your account.
Cancel, freeze or resend a Mastercard
Go to Payments and select the payment to see your options:
Cancel payment: available before the recipient activates the card. The link stops working.
Freeze card: available after the card is activated. The recipient can't use it until you unfreeze it.
Resend link: sends the same link to the same recipient again.
Is this message really from Fluz?
Payment emails come from [email protected], and links open a page on fluz.app. If a message uses any other address or link, don't click it or share any codes. See Avoiding scams and fraudsters.
Frequently asked questions
I sent a payment to the wrong person. Can I get it back?
I sent a payment to the wrong person. Can I get it back?
If you sent a Mastercard that hasn't been activated yet, select Cancel payment. If it's already activated, select Freeze card. Money sent to a Fluz member arrives instantly and can't be cancelled. Contact us with the payment details and we'll look into it, but we can't guarantee the money can be recovered.
My payment to a Fluz member didn't go through.
My payment to a Fluz member didn't go through.
The recipient's account may not be verified yet, or may not be based in the US. Your money hasn't left your account. Ask the recipient to complete identity verification, then try again.
Can I send money to someone who doesn't have Fluz?
Can I send money to someone who doesn't have Fluz?
Not as money right now. You can send them a Mastercard instead by email or phone.
The recipient didn't get the Mastercard.
The recipient didn't get the Mastercard.
Check the email or phone number you entered. Ask them to search their inbox for [email protected] and check spam. You can also select the payment and choose Resend link.
I don't see Payments.
I don't see Payments.
Payments is being rolled out gradually and isn't on every account yet.
Fluz is a financial technology company, not a bank. Banking services provided by partner banks, members FDIC.