Fluid vs Worldline: How We Outperform Legacy Cashiers

Fluid is reshaping iGaming payments by offering faster transactions, AI-driven fraud protection, and personalised payment experiences. Unlike legacy systems, Fluid provides real-time processing, supports multiple currencies (including cryptocurrencies), and integrates seamlessly with operators' platforms. This ensures smooth, secure, and efficient payment journeys tailored to players' preferences.

Key highlights:

• Instant Transactions: Players enjoy real-time deposits and withdrawals, reducing frustration and abandonment.

• AI-Powered Fraud Detection: Advanced tools monitor transactions, ensuring security while meeting Malta's strict regulations.

• Customised Payment Options: Localised methods, multi-currency support, and mobile-first design enhance user satisfaction.

• Quick Setup: Fluid deploys in minutes with minimal integration effort.

Fluid is the modern solution for iGaming operators looking to improve player satisfaction, boost conversion rates, and stay compliant with Malta's regulatory standards. It’s not just a payment system - it’s a smarter way to handle transactions in a competitive industry.

How to choose a payment processor for your iGaming business?

Transaction Speed: Real-Time Payment Processing

In Malta's thriving iGaming industry, which contributes an impressive 12% to the country's GDP [1], instant transactions aren't just a convenience - they're a necessity. Players expect their deposits to appear immediately, allowing them to dive straight into their favourite games without delays. Any lag in payment processing can lead to frustration and increased abandonment rates. Fluid's real-time processing technology ensures a seamless experience, balancing speed with regulatory compliance.

Real-Time Data Processing

Fluid’s AI-driven digital cashier handles transactions as they happen, making instant decisions on routing, currency conversion, and fraud detection. By directly integrating with payment providers, banks, and cryptocurrency networks, Fluid guarantees immediate transfers. The platform also supports multiple currencies, including EUR, GBP, and USD, as well as cryptocurrencies, with conversions completed in real time. This means players see their account balances update the moment a transaction is successful, offering a smooth and efficient experience.

Player Satisfaction Metrics

The impact of real-time processing is clear in player satisfaction metrics. Instant transactions not only improve retention but also encourage longer gaming sessions. Malta’s strict regulatory framework, enforced by the Malta Gaming Authority (MGA) and the Financial Intelligence Analysis Unit (FIAU), demands precise transaction records and efficient dispute resolution. Fluid meets these standards with instant transaction confirmations and transparent audit trails, which also help to build trust among users.

For mobile gaming, which forms a large part of Malta's iGaming traffic, the importance of immediate deposit reflections can’t be overstated. A seamless, fast transaction process ensures that players experience the same responsiveness in payments as they do in their games, reinforcing platform reliability and user confidence.

AI-Driven Fraud Prevention: Security and Compliance

Malta’s thriving iGaming industry faces an ever-growing challenge: staying ahead of increasingly sophisticated fraud attempts. To tackle this, Fluid’s AI-powered fraud detection system continuously learns and adapts to evolving threats, offering real-time protection without interrupting gameplay. This cutting-edge approach ensures both security and compliance with local and international regulations.

Real-Time Fraud Detection

Fluid’s AI doesn’t just rely on static rules - it actively monitors transactions by analysing key indicators like device fingerprints, geolocation data, and behavioural biometrics. If a deposit comes from an unusual device or location, the system immediately flags it for review, ensuring suspicious activity is caught early while allowing legitimate transactions to proceed.

The system’s adaptive risk scoring takes it a step further. During periods of heightened fraudulent activity, it automatically tightens security measures. Yet, it does so intelligently - high-value, legitimate transactions are still processed smoothly, ensuring a seamless player experience even under increased scrutiny.

What sets Fluid apart is its ability to detect subtle, complex patterns. For instance, coordinated attacks across multiple accounts or signs of an account takeover don’t slip through the cracks. Instead of outright blocking such transactions, the system flags them for swift verification, minimising disruption while maintaining robust protection.

Regulatory Compliance in Malta

Fraud prevention isn’t just about detection - it’s also about meeting stringent compliance requirements. Fluid integrates seamlessly with Malta’s regulatory framework, automatically generating suspicious activity reports (SARs) and maintaining detailed audit trails to meet the standards of the Malta Gaming Authority (MGA), Financial Intelligence Analysis Unit (FIAU), and EU Anti-Money Laundering (AML) regulations.

Every decision made by the system is logged with timestamps and evidence, creating a transparent record that operators can present during compliance reviews. This feature is particularly valuable when demonstrating the effectiveness of fraud prevention measures to regulators.

Fluid also aligns with the EU’s Fifth Anti-Money Laundering Directive, automating tasks like enhanced due diligence for high-value transactions, ongoing monitoring of politically exposed persons (PEPs), and sanctions screening against EU and international watchlists. By reducing the need for manual oversight, operators can shift their focus to enhancing the player experience while still meeting compliance standards.

Additionally, the platform offers detailed analytics on fraud trends, prevention success rates, and false positives. This data gives operators a clearer understanding of their risk landscape, helping them refine their strategies and provide solid evidence of effective fraud management for licence renewals. It’s a comprehensive solution that balances security, compliance, and operational efficiency.

Personalised Payment Journeys: Custom Player Experiences

In the fast-paced world of iGaming, players aren't just looking for efficiency - they want experiences that feel tailored to them. Modern players expect payment journeys that align with their preferences. Fluid's AI engine takes this to the next level by analysing player behaviour, location, and transaction history to offer customised payment options that feel intuitive and relevant.

By examining usage patterns, the system fine-tunes the payment flow. For instance, if mobile payments dominate a player's history, the platform prioritises mobile-friendly methods to ensure a smoother experience. This approach not only reduces friction but also boosts completion rates. Additionally, localised payment options are seamlessly integrated, ensuring players feel at home no matter where they are.

Multi-Currency and Local Payment Options

With Malta-based operators catering to a wide range of markets, offering diverse currency options is essential. Fluid supports multiple currencies and automatically detects a player's location to display payment methods in their local currency.

The platform handles real-time currency conversion and formats amounts according to regional standards - for example, showing amounts in £ for UK players and € for those in European markets.

It also integrates region-specific payment methods, such as SEPA transfers for Europe, Trustly for Scandinavian users, and local banking solutions for Eastern Europe. These options are presented based on a player's location and past payment habits. For added flexibility, Fluid supports cryptocurrency transactions, including Bitcoin and Ethereum, all while maintaining the same smooth user experience.

Brand Integration Without Generic Iframes

To enhance the personalised journey even further, Fluid embeds payment flows directly into the operator's platform. This eliminates the need for generic iframes, ensuring the payment process feels like an extension of the operator's brand. By aligning colours, fonts, logos, and other design elements, the platform creates a seamless and trustworthy experience.

The payment process is broken down into clear, step-by-step guidance that matches the operator's visual identity. This avoids overwhelming players with complicated forms and keeps the journey simple and engaging. Designed with mobile and tablet users in mind, Fluid delivers a consistent experience across all devices. Whether a player starts a deposit on their desktop and finishes it on their mobile, or switches between devices, the interface adapts while maintaining the brand's look and feel.

Real-time analytics provide operators with valuable insights into player interactions with the payment system. These insights help pinpoint friction points and identify areas for improvement, allowing operators to refine the payment experience continually. By blending personalisation with brand consistency, Fluid not only strengthens brand loyalty but also improves conversion rates across all devices.

User Experience: Conversion Rate Optimisation

When it comes to completing deposits, a smooth and straightforward user experience can make all the difference. Complicated interfaces or drawn-out processes often lead to players abandoning their transactions. Fluid tackles this head-on with a user-focused design that eliminates roadblocks at every stage of the payment journey, making the process as seamless as possible.

With a mobile-first approach, Fluid ensures players can complete payments effortlessly, no matter the device. Since most iGaming activity happens on smartphones and tablets, this focus is key to maintaining strong conversion rates. Whether a player starts a deposit on their desktop or finishes it on their phone, the interface remains consistent and intuitive, removing any potential barriers. This streamlined design directly translates to more completed transactions.

Streamlined Payment Flows

Fluid takes the complexity out of payment processes by breaking them down into easy-to-follow steps. Instead of overwhelming players with endless forms, the platform uses visual progress indicators to guide them through each stage. This step-by-step approach reduces confusion and dramatically lowers the chances of players abandoning their transactions. By simplifying the process, Fluid lays the foundation for higher deposit completion rates.

Impact on Conversion Rates

The combination of simplified payment flows and real-time analytics results in improved conversion rates. Fluid’s design eliminates confusing layouts and unnecessary steps, ensuring players can quickly and easily complete their deposits.

Take PowerPlay, for example. In February 2025, they implemented Fluid's Smart Cashier, providing players with a fast, intuitive, and customised deposit experience. This not only made transactions smoother but also improved operational efficiency[1]. This case highlights how a well-designed user experience can lead to measurable business success.

Real-time analytics play a crucial role in identifying where players might hesitate or abandon their transactions. These insights allow operators to pinpoint problem areas and make targeted adjustments, continuously improving conversion rates.

Modern players, especially smartphone users, expect the same seamless experience they get from popular apps. Fluid delivers this with a touch-friendly interface and streamlined design, ensuring payments are hassle-free on any device.

Conclusion: Fluid for iGaming Payment Processing

The iGaming industry today requires payment solutions that are not just secure but also flexible and tailored to its unique demands. Fluid steps up as a modern payment processing solution designed specifically for iGaming operators. By blending AI-driven features with smooth integration, it addresses the industry's core challenges, ensuring quick transactions and a secure payment experience.

With its mobile-first approach and swift deployment, Fluid empowers operators to adapt to market needs while adhering to Malta's stringent regulatory requirements. Its built-in compliance tools and monitoring systems provide the confidence operators need to navigate these complexities with ease.

The platform's support for multiple currencies and customisable payment journeys enhances player satisfaction and boosts conversion rates by catering to diverse preferences.

Fluid is more than just a payment solution - it's a dynamic tool that promotes growth through advanced analytics, effortless integration, and ongoing optimisation.

FAQs

How does Fluid process transactions instantly while complying with Malta's regulations?

Fluid enables swift transaction processing by using advanced monitoring systems tailored to meet Malta's stringent AML (Anti-Money Laundering) and CFT (Counter Financing of Terrorism) regulations. These systems work in real time to identify and block fraudulent activities, ensuring transactions are not only fast but also secure.

Moreover, Fluid aligns seamlessly with Malta's well-established legal framework governing digital payments and e-money services. By embedding compliance protocols directly into its payment workflows, Fluid ensures every transaction is processed securely and efficiently, meeting local standards. This approach provides operators and players with the confidence that their transactions are both safe and fully compliant.

How does Fluid use AI to detect and prevent fraud in iGaming payments?

Fluid employs cutting-edge AI-powered tools to provide secure payment processing for the iGaming industry. These tools include real-time transaction monitoring, behavioural pattern analysis, and anomaly detection, all working together to identify suspicious activities as they happen.

On top of that, Fluid uses risk scoring, biometric ID verification, and chargeback prediction to reduce the chances of fraud. Its flexible fraud detection systems are designed to adapt and tackle new threats, ensuring operators can uphold trust, meet compliance standards, and prioritise player safety.

How does Fluid personalise the payment process to improve player satisfaction and boost conversion rates?

Fluid transforms the payment experience with real-time personalised solutions designed to match each player's preferences and behaviour. This tailored approach ensures transactions are seamless and engaging, boosting satisfaction while encouraging more frequent deposits.

With standout features like dynamic adjustments and real-time A/B testing, Fluid fine-tunes payment flows to make them more intuitive and efficient. By catering to the specific needs of players in the iGaming industry, Fluid not only enhances user satisfaction but also increases conversion rates.