Retailers in the USA spent over 206 Billion dollars in 2017 trying to promote their products to the general public. Fluz captures some of that market share by providing a simple and guaranteed way for retailers to attract new customers and retain older ones. With the Fluz model, merchants only pay when they make an actual sale, making it much more efficient than spending large amounts of money on TV or billboard ads that might not be a cost-effective way to convert sales.

Since Fluz has a direct connection with such a large amount of shoppers, and retailers only pay once they realize a sale, it saves them money to market their brand through Fluz and pay their customers a portion of their marketing budget directly. This is what the retailers call “cashback."

Our cashback amount will depend on the merchant's offer and the funding source that you use to purchase the gift card.

Read this article to learn more about the cashback rates per funding source.

In most cases, your rewards will appear immediately after you successfully purchase through the app.

Following a successful purchase, you will receive an email confirmation that will include how much cashback you earned from that specific purchase.

You will see an increase in the cashback balance within your Fluz digital wallet.

Tap the Fluz balance amount on the top left of your screen and you should be able to view your available balance and rewards history.

A message will appear on your Fluz inbox sent from the Store you bought from and will state the cashback you earned from that purchase.

You can check your cashback balance directly from the Fluz app. Just log in to the app and tap the balance in the top left corner of your screen. This will lead you to your Fluz wallet where you will find all of your wallet activity, including your available cashback balance, pending cashback balance, and the total cashback amount earned over the life of your account; including a breakdown of the personal cashback earned, and network cash back earned.

If you make $600 or more through the app, Fluz is required by law to submit a 1099 tax form to the IRS for your account.

The cashback you get on your purchases is treated as a discount and is not taxable. However, all other money you earn from Fluz (challenges, bonuses, inviter cashback, network cashback) is 1099 income and will count towards that $600.

Towards the end of the year (2022), Fluz may start reporting and we may be requiring information such as SSN, legal name, billing address, and date of birth via the "verify your legal identity" requirement from the mobile app, to issue you 1099 at the end of the tax year.

While Fluz will not withhold any earnings for tax purposes, the IRS will be receiving a copy of your 1099 at the end of the year, which will state exactly how much cashback you accrued for that tax season. You will be expected to pay a portion of that total reward amount to the IRS, along with your usual annual tax payments.

The exact percentage rate at which you will be taxed on your Fluz earnings will vary between individuals, and factors such as total household income, number of dependents, etc. will mean that no exact blanket percentage can be given.

Fluz recommends meeting with your Certified Public Accountant to confirm that proper filings are in place for your situation. Fluz can not offer any type of personalized tax consulting.

International users, also known as non-U.S. persons, will not be issued a 1099 form at the end of the tax year.

No, Fluz has made it super easy to track and earn cashback on the items you buy.

No receipt fumbling, product barcode scanning, or manual tracking of any kind is used within our app, and beyond making the actual Fluz purchase from within the app, users do not have to take any action to earn their cash back.

All your purchased gift cards can be found in the Menu (your avatar) icon at the top right of your screen, then click Gift Card Purchases.

This page will default to your ACTIVE gift cards or gift cards that have not been used or still have value. If you want to see details on the gift cards that you've already used, tap on INACTIVE.

You should see the cashback from your Fluz purchase reflected in your Fluz wallet within 24 hours. You should also receive a notification in your Activity feed as well as a confirmation of your purchase in your email.

If you do not see the cashback reflected in your Fluz wallet, feel free to reach out to one of our Fluz sidekicks. Use the Chat option at the bottom of your screen, or if you're on the app, go to Help and chat with us.