Fluid Financial LLC
Fluid Financial LLC is a financial technology company providing a complementary suite of payment and compliance solutions across multiple industries.
Our platform is designed to protect sensitive data, improve profitability, and simplify regulatory compliance—without disrupting existing operations.
About Fluid Financial LLC
Our Mission
At Fluid Financial LLC, our mission is to help organizations operate smarter, safer, and more profitably.
Our integrated financial and technology solutions are designed to protect sensitive data, create incremental revenue, and simplify industry compliance—without disruption.
MED Token
MED Token extends this privacy layer specifically for healthcare and regulated medical environments.
It helps prevent sensitive medical or treatment-related details from being exposed through payment data, while supporting HIPAA-aligned privacy practices and maintaining seamless card acceptance.
Best suited for:
- Healthcare, wellness, and medical practices
- Regulated and compliance-driven environments
- Transactions involving protected or sensitive medical context
ICE Token
ICE provides a privacy layer between customers, merchants, and card issuers for everyday card transactions.
It is designed to protect sensitive transaction details—particularly how purchases appear on customer card statements—making it ideal for businesses where discretion, brand protection, or customer privacy is critical.
Best suited for:
- Consumer-facing businesses
- High-discretion or brand-sensitive transactions
- Non-medical, non-HIPAA use cases
Introducing MED Token (Medical Encrypted Data)
MED Token: Meeting Compliance Standards
MED Token is a purpose-built payment privacy solution designed to support HIPAA and Cures Act requirements.
By advancing payment data encryption, MED Token incorporates patient consent controls and identity data masking aligned with HHS and OIG guidance—helping ensure sensitive payment data is handled securely and responsibly.
These protections reduce unnecessary data exposure while allowing healthcare providers to process payments confidently within modern regulatory frameworks.
Empowering Patient Consent and Data Masking
MED Token introduces a modern consent framework that allows patients to authorize the tokenization and retention of their payment data at the provider level.
This approach gives patients transparency and control while enabling healthcare organizations to operate within evolving privacy expectations.
To further support compliance, MED Token masks patient identity and transaction location data within the payment flow. As a result, card statements display only the merchant processor’s name, rather than medical or treatment-related details—helping preserve confidentiality while maintaining regulatory alignment.
A Seamless, Revenue-Neutral Solution
A Seamless, Revenue-Neutral Solution
MED Token ensures patient opt-in compliance for the storage and use of payment data at the merchant or provider level.
Delivered as a revenue-neutral solution through Fluid Financial’s merchant processing platform, MED Token can be deployed quickly with minimal operational change.
This enables organizations to strengthen privacy protections, support regulatory requirements, and safeguard sensitive patient information—without added cost or complexity.
HIPAA: Safeguarding Patient Privacy
CURES Act: Enhancing Encryption Standards
A Seamless, Revenue-Neutral Solution
Enacted in 1996, the Health Insurance Portability and Accountability Act (HIPAA) establishes strict standards for protecting patient privacy and securing health information.
It requires healthcare providers, insurers, and organizations that handle patient data to implement safeguards that prevent unauthorized access, disclosure, or misuse.
HIPAA governs how protected health information (PHI) is collected, transmitted, stored, and accessed—ensuring sensitive data is managed in accordance with rigorous privacy and security requirements.
CURES Act: Enhancing Encryption Standards
CURES Act: Enhancing Encryption Standards
CURES Act: Enhancing Encryption Standards
The 21st Century Cures Act, enacted in 2016, expands data privacy and security expectations for organizations that handle protected health information (PHI), including those involved in payment processing.
It raises requirements beyond traditional HIPAA standards by emphasizing stronger encryption, controlled data access, and patient-directed consent.
These updates reflect the evolving risk landscape and are designed to reduce unnecessary data exposure, strengthen protections across the healthcare ecosystem, and ensure sensitive information remains secure throughout its lifecycle.
Elevated Compliance Expectations
CURES Act: Enhancing Encryption Standards
CURES Act: Enhancing Encryption Standards
Tokenization and standard encryption alone are no longer sufficient to meet today’s regulatory expectations.
The Department of Health and Human Services Office of Inspector General (OIG) has increased enforcement activity, issuing penalties against organizations that fail to implement modern, risk-based privacy controls.
This heightened scrutiny underscores the need for next-generation payment privacy solutions that go beyond basic encryption—reducing data exposure, strengthening consent controls, and aligning with evolving healthcare regulations.
The ICE Token: Revolutionizing Consumer payment processing
Revolutionizing Hospitality Payment Processing
Revolutionizing Hospitality Payment Processing
Integrating the Instant Confidential Exchange (ICE) Token introduces a secure, modern payment privacy solution purpose-built for the hospitality industry.
ICE Token is designed to support compliance with state-level data privacy regulations while enhancing transaction security and protecting sensitive consumer information.
By leveraging advanced tokenization, ICE Token delivers an efficient and seamless payment experience—reducing data exposure, strengthening privacy controls, and empowering consumers, all without disrupting existing payment workflows.
Seamless Deployment on Cutting-Edge Platforms
Revolutionizing Hospitality Payment Processing
The ICE Token solution is deployed directly through Fluid Financial’s merchant processing platform, enabling fast and efficient implementation.
By leveraging the PAX Technology terminal application, businesses can access ICE Token through standalone or virtual terminals, providing the flexibility to support a wide range of operational models.
This approach allows organizations to enhance payment privacy and regulatory alignment without changing how transactions are accepted or managed.
Transforming Transactions Through Tokenization
Transforming Transactions Through Tokenization
ICE Token represents a modern approach to consumer payment processing built for the hospitality industry.
By prioritizing data security, regulatory alignment, and consumer control, ICE Token redefines how transactions are managed—reducing data exposure while maintaining speed and efficiency.
This privacy-first tokenization model helps hospitality businesses protect guests, simplify compliance, and deliver secure payment experiences without disrupting day-to-day operations.
Avoiding Costly Regulatory Risks
Transforming Transactions Through Tokenization
Failure to comply with data privacy laws can expose businesses to significant financial penalties, regulatory enforcement actions, and civil litigation, including consumer privacy claims.
As privacy regulations continue to expand at the state and federal level, the cost of non-compliance is rising—both financially and reputationally.
The ICE Token system helps mitigate these risks by supporting stringent privacy and data-protection standards, reducing unnecessary data exposure and strengthening compliance across the payment lifecycle—protecting both businesses and consumers.
States that Passed Data Privacy Laws
States that Passed Data Privacy Laws
ICE Token is designed to support compliance with data privacy laws enacted across multiple U.S. states, including:
California, Colorado, Connecticut, Delaware, Florida, Illinois, Indiana, Iowa. Kentucky, Montana, Nebraska, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, Virginia
Dual Payment Processing
Challenges with Credit and Debit Card Surcharges
Challenges with Credit and Debit Card Surcharges
Challenges with Credit and Debit Card Surcharges
Major card issuers like Mastercard and Visa discourage the use of surcharges on credit and debit card transactions, often prohibiting them contractually unless merchants obtain prior approval. These approvals are difficult to secure, come with numerous restrictions—such as excluding debit card transactions—and are frequently denied. Additionally, states like Connecticut, Maine, Massachusetts, and Oklahoma legally prohibit card surcharges, while many other states have ambiguous laws, making compliance a significant challenge for businesses.
The Rise of Dual Payments Processing
Challenges with Credit and Debit Card Surcharges
Challenges with Credit and Debit Card Surcharges
As card issuer fees continue to rise, dual payments—also known as dual pricing, dual processing, or cash discounts—offer an effective alternative. Instead of adding surcharges to card transactions, this model increases the listed prices of all goods and services to account for card fees, typically around 3.2%. Customers who pay with cash or cash-equivalents are then rewarded with a corresponding discount, reversing the traditional surcharge framework.
A Straightforward Cost-Saving Solution
Challenges with Credit and Debit Card Surcharges
A Straightforward Cost-Saving Solution
Dual pricing is a simple yet highly effective tool for reducing costs and boosting profitability. By incorporating merchant processing fees into product prices, businesses can offset the financial burden of card issuer fees. The resulting savings, which can be calculated by analyzing monthly or annual processing expenses, directly contribute to the bottom line, making dual payments a compelling strategy for many merchants.
Fluid’s Dual Pricing Advantage
Fluid’s Strategy for Expanding Adoption
A Straightforward Cost-Saving Solution
Fluid offers an innovative dual pricing solution through its software and compatible POS hardware, unlocking up to an additional 3% in bottom-line revenue for merchants. This approach has already proven successful, enabling Fluid to secure merchant processing contracts with organizations like the National Restaurant Association, representing over 100,000 restaurants, as well as numerous smaller businesses and retailers. The simplicity and value of dual pricing have helped Fluid close multiple accounts and demonstrate its transformative potential.
Overcoming Barriers to Adoption
Fluid’s Strategy for Expanding Adoption
Fluid’s Strategy for Expanding Adoption
Despite its advantages, dual pricing has been slow to gain widespread adoption due to technical and regulatory challenges. Many businesses rely on outdated POS terminals or legacy systems that are incompatible with the software required for compliant dual pricing implementation. These technical hurdles, along with regulatory complexities, have deterred some merchants from adopting this cost-saving approach.
Fluid’s Strategy for Expanding Adoption
Fluid’s Strategy for Expanding Adoption
Fluid’s Strategy for Expanding Adoption
Fluid addresses these challenges with a clear strategy to secure significant merchant processing contracts. By offering to cover the upfront costs of hardware upgrades in exchange for longer processing contract terms, Fluid removes a major barrier to entry for businesses. This proactive approach accelerates adoption, enabling more merchants to benefit from dual pricing while positioning Fluid as a leader in the merchant processing industry.
Traditional Payment Processing
Dedicated to Traditional Payment Processing
Zero-Cost Equipment with Value-Added Services
Zero-Cost Equipment with Value-Added Services
Traditional payment processing has been a cornerstone of commerce for decades, and Fluid Tech is committed to delivering these services with the business owner's needs in mind. We go beyond just offering competitive rates—our promise is to beat any current processing rate while adding tangible value to your business operations.
Zero-Cost Equipment with Value-Added Services
Zero-Cost Equipment with Value-Added Services
Zero-Cost Equipment with Value-Added Services
Fluid Financial’s zero-cost equipment program provides more than just payment processing. It includes a suite of valuable services such as eGift Cards, Virtual ATMs, Virtual Banking for the unbanked, loyalty programs, and more. These features are designed to offset credit card processing fees while enhancing the overall customer experience and improving operational efficiency.
Significant Savings for Businesses
Zero-Cost Equipment with Value-Added Services
Empowering Businesses to Reduce Costs
Credit card fees can place a heavy burden on businesses, especially during challenging times. Companies partnering with Fluid Financial have saved anywhere from thousands to millions of dollars, depending on their transaction volume. Every dollar saved can be reinvested into the business, making a significant difference in achieving financial stability and growth.
Empowering Businesses to Reduce Costs
Empowering Businesses to Reduce Costs
Empowering Businesses to Reduce Costs
At Fluid Financial, our mission is to empower businesses to take control of their credit card processing costs. By offering a Traditional Payment Program with low, flexible month-to-month rates, we help businesses minimize processing fees and retain more of their hard-earned revenue.
Unmatched Payment Processing Benefits
Empowering Businesses to Reduce Costs
Unmatched Payment Processing Benefits
Fluid Financial stands apart from competitors by offering payment processing benefits that go beyond traditional solutions. Our unique approach provides exceptional value to both merchants and their customers, fostering loyalty and strengthening the business’s competitive edge.
A Partner You Can Rely On
Empowering Businesses to Reduce Costs
Unmatched Payment Processing Benefits
Fluid Financial is more than just a payment processor—we are a partner dedicated to your success. By delivering reliable, cost-effective, and innovative solutions, we aim to support businesses of all sizes in navigating the complexities of payment processing and achieving lasting financial success.
vGift (Virtual Gift Card)
The Booming Gift Card Market
A Flexible, Secure, and Convenient Solution
Introducing vGift: A Virtual Marketplace
Gift card sales in the U.S. are projected to exceed $200 billion in 2023, with annual sales forecasted to surpass $260 billion by 2028. Recognizing this growing market, Fluid secured a distribution and reseller agreement with Incomm, the largest aggregator of gift card brands and retailers, in July 2023. This partnership is a significant achievement for Fluid, as Incomm typically approves contracts with more established companies. Since then, Fluid has successfully completed all onboarding, certification, and approval processes to integrate Incomm’s gift card API into its innovative virtual product marketplace, vGift.
Introducing vGift: A Virtual Marketplace
A Flexible, Secure, and Convenient Solution
Introducing vGift: A Virtual Marketplace
Launched in December 2023, vGift (accessible at vGift.org) offers over 100 digital gift card products, creating a comprehensive platform for virtual products. Featuring a user-friendly web application for consumers and a robust administrator dashboard for issuers, vGift is built on a scalable, enterprise-class cloud architecture. This seamless platform enables consumers to load and reload their vGift balance in U.S. dollars, which can then be exchanged for retailer gift cards, vouchers, promotional offers, and other digital products.
A Flexible, Secure, and Convenient Solution
A Flexible, Secure, and Convenient Solution
Transforming Corporate Spending on Gift Cards
vGift provides a straightforward way for users to send digital gifts. Recipients can redeem their vGift balance for any product available in the catalog, offering flexibility comparable to prepaid Visa or Mastercard debit cards—without the high activation fees, physical restrictions, or security concerns. This convenience and adaptability make vGift an attractive solution for both individual consumers and businesses seeking versatile gifting options.
Transforming Corporate Spending on Gift Cards
Transforming Corporate Spending on Gift Cards
Transforming Corporate Spending on Gift Cards
Businesses can leverage vGift in a variety of ways, including as an incentive for marketing, rewards, rebates, or employee retention programs. It can also serve as a revenue stream through a white-label, affiliate-style program or as a platform for issuing branded gift cards. Additionally, vGift enables organizations to sell intangible products like event tickets, expanding their e-commerce offerings.
Gift Card Industry
Transforming Corporate Spending on Gift Cards
Pioneering Innovation in Digital Gifting
According to the Incentive Research Foundation (IRF), U.S. businesses spent $24 billion annually on gift cards as of 2018. Traditionally considered a budgeted expense, this expenditure can now be turned into a profit center through vGift. By integrating this platform into their operations, organizations can transform gift card programs into revenue-generating tools, enhancing financial performance while maintaining flexibility and engagement with their target audiences.
Pioneering Innovation in Digital Gifting
Transforming Corporate Spending on Gift Cards
Pioneering Innovation in Digital Gifting
Fluid’s strategic partnership with Incomm and the successful launch of vGift underscore its commitment to innovation in the digital gifting space. By combining advanced technology, scalability, and flexibility, vGift offers a solution that benefits consumers and businesses alike. With the potential to reshape how gift cards are distributed and utilized, Fluid is well-positioned to lead the market in virtual gifting solutions.