What if I prefer not to hand over my phone to the merchant, especially if I’m at a restaurant? You can write down your Fluz gift card code and pin, and inform the merchant that you are using a gift card as the form of payment. Related articles How do I verify my phone number? Can I purchase a merchant’s gift card with my Fluzpay balance? I already earn cash back using my Rewards Credit Card, so why should I use Fluz? What if the merchant won’t honor my gift card? What happens to my Fluz gift card for a merchant that goes out of business?