Fluid’s Open Ecosystem: The Key to Fast Integrations and Operator Independence

Fluid simplifies payment processing for iGaming operators, solving issues like complex integrations, high abandonment rates, and vendor lock-in. With just two lines of JavaScript, operators can connect multiple payment gateways, gain full control over their systems, and improve user experience. Key features include:

• Customisation with AI: Personalises payment flows based on player behaviour, location, and preferences.

• Real-Time Analytics: Tracks user interactions and flags potential fraud instantly.

• Multi-Currency Support: Handles traditional currencies (e.g., EUR, GBP) and cryptocurrencies (e.g., Bitcoin) in one platform.

• Mobile-First Design: Integrates seamlessly into native apps, ensuring fast, secure transactions.

Fluid's open ecosystem empowers operators to manage payments efficiently, reduce friction for players, and scale their business without dependency on a single provider.

Inside Finera’s Next-Gen Payment Tech

What Makes Up Fluid's Open Ecosystem

Fluid's Open Ecosystem: 3 Core Components for Seamless iGaming Payments

Fluid's ecosystem revolves around three interconnected components, each designed to simplify payment operations while addressing key challenges like customisation and security. Together, these elements deliver a seamless blend of speed, safety, and adaptability for operators.

AI-Driven Payment Customisation

At the heart of Fluid's system is its AI engine, which monitors player behaviour in real time to craft personalised payment experiences. By analysing factors like preferred payment methods, transaction history, and deposit patterns, the AI dynamically adapts the cashier interface. This ensures returning players see their preferred options first, cutting unnecessary steps and boosting conversion rates.

But this isn't just surface-level customisation. The AI considers player location, device type, and past transaction success rates to recommend the most efficient payment route. If a transaction fails, it instantly suggests alternatives. During high-traffic periods, the system fine-tunes its settings to maintain smooth operations. It even adjusts for local preferences, such as displaying currencies like EUR with familiar European formatting - using a comma as a decimal separator.

"Drive more deposits with real-time personalisation that adapts to each player's behaviour and context. No friction. No guesswork. Just results." - Fluid

Live Data Tracking and Fraud Detection

Fluid Control acts as the ecosystem's analytical hub, offering operators real-time insights into how players interact with the cashier. The dashboard provides a continuous stream of data, helping operators pinpoint where users hesitate or abandon transactions. This isn't just about reviewing past activity - the live updates allow for immediate tweaks to payment flows.

Fraud detection works hand in hand with these analytics. By leveraging AI, the system identifies suspicious patterns before they escalate. It monitors factors like transaction speed, unusual deposit amounts, and irregular behaviours across multiple data points. When potential fraud is flagged, the system can either require additional verification or pause the transaction for review - all without disrupting genuine users.

Support for Multiple Currencies and Crypto

Fluid's ecosystem seamlessly integrates both traditional currencies (like EUR, GBP, and USD) and cryptocurrencies (such as Bitcoin and Ethereum) into a single platform. The system automatically adjusts currency symbols and formatting based on the player's location, ensuring a Maltese player sees €50,00 while a UK-based player sees £50.00.

This multi-currency capability extends across the entire payment process. Exchange rates are updated in real time, and the AI ensures transactions are routed through the most reliable channels for each currency. Operators don't need to juggle separate systems for fiat and crypto payments - everything is managed through one unified interface, complete with consistent analytics and fraud protection for all transaction types.

How Fluid Speeds Up Integration

Rolling out a payment system can often feel like a marathon, with weeks - or even months - of development work slowing down launches. Fluid changes the game by cutting deployment times dramatically. Its platform is built to eliminate technical hurdles, allowing operators to connect their payment infrastructure without unnecessary complications. By simplifying the process, Fluid gives operators the freedom to stay in control of their payment systems.

Quick API Setup with Minimal Development

Fluid makes integration refreshingly simple. The process boils down to just two lines of JavaScript - no complex coding, no endless configuration files.

"Just 2 lines of JavaScript. Seriously. You'll be up and running in minutes." – Fluid

This plug-and-play setup ensures operators can link any payment gateway or orchestration platform without rewriting existing code. Whether you're managing a single gateway or juggling multiple providers at once, Fluid handles the connections seamlessly. This efficiency means development teams don’t get bogged down, and integration delays become a thing of the past.

Built for Mobile Users

Fluid takes a mobile-first approach, understanding that most iGaming players interact with platforms through their smartphones or tablets. Instead of relying on iframes, the system integrates directly into the operator's native design. The result? A payment interface that feels like a natural extension of the platform rather than an add-on.

Fluid also leverages device-native security features like FaceID and TouchID, enhancing safety without creating extra steps for users. Load times are optimised for varying mobile data speeds, preventing the frustrating drop-offs caused by slow-loading pages. The system even adjusts formatting based on the device, ensuring every user sees a layout tailored to their screen and region. For instance, a Maltese player on an iPhone would see €50,00 formatted with a comma as the decimal separator, all while enjoying a perfectly scaled interface.

In February 2025, PowerPlay, a Canadian iGaming operator led by CEO Dean Serrao, switched to Fluid's Smart Cashier. The mobile-first technology enabled quicker deposits and real-time tracking, boosting operational efficiency. Later, in Q2 2025, Hero Gaming adopted Fluid's intelligent cashier across multiple brands. Antonio Carnevale, their Group Head of Payments, praised Fluid's modular design for driving higher conversion rates with data-driven strategies tailored to mobile markets.

This focus on mobile users fits seamlessly into Fluid's broader integration strategy.

Simple Integration with Existing Systems

Beyond its mobile optimisation, Fluid ensures that connecting with existing platforms is hassle-free. Its streamlined setup works with current payment gateways without requiring operators to overhaul their systems. Multi-gateway compatibility allows operators to use several providers simultaneously, improving uptime, routing flexibility, and user experience - all without modifying a single line of code.

"Fluid connects seamlessly to any gateway. Run them all in parallel for better uptime, routing and user experience – without changing a single line of code." – Fluid

With configuration completed in under a day, Fluid avoids the lengthy implementation times that often come with new systems. It integrates smoothly into existing infrastructure without disrupting live operations, meaning operators can avoid downtime and revenue losses. This allows development teams to focus on more critical business priorities instead of wrestling with complex integrations.

How Fluid Gives Operators More Control

Relying on external payment systems often means losing control over key business functions. Fluid changes this by giving operators full autonomy. With Fluid, operators oversee payment interfaces, access real-time analytics, and fine-tune system settings - all without needing third-party assistance. This independence allows for faster decisions and quicker reactions to market changes. By offering seamless integration, Fluid puts operators firmly in charge.

Customisable Payment Interface

Fluid takes control to the next level with a fully customisable payment interface. Unlike generic iframe solutions that can feel disconnected from an operator's brand, Fluid’s interface integrates directly into the platform’s design. This ensures a consistent and cohesive brand experience throughout the player journey. Operators can modify themes, colours, and layouts to align perfectly with their branding.

For instance, a Maltese player would see payment options prioritised for local methods, amounts displayed as €1.000,00, and prompts tailored to their previous deposit habits. New users are guided through a smooth onboarding process, while returning players enjoy fast-track paths that minimise friction. These personalisation features have proven to reduce payment abandonment rates by 30%.

Direct Access to Analytics Tools

Fluid Control's user-friendly dashboard gives operators the tools to monitor player payment behaviours, pinpoint bottlenecks, and make real-time improvements.

Flexible System for Business Growth

Fluid’s modular design grows alongside your business. Its architecture allows for quick adaptation and expansion into new markets. Operators can connect to any gateway or orchestration system, making it easy to add new payment methods or enter new regions within minutes. This flexibility ensures that as your business scales, your payment infrastructure evolves seamlessly, supporting growth without causing disruptions.

Practical Ways to Improve iGaming Payments

Payment issues can hurt revenue, but Fluid has a solution. By using AI-powered prompts and in-game instant top-ups, their system minimises disruptions and reduces the chances of players abandoning transactions altogether.

Fluid also offers personalised guidance and real-time analytics to make payments smoother for players.

Clear Payment Instructions for Players

Confusing payment processes can push players away. Fluid addresses this by offering payment instructions tailored to each player's experience. New players get detailed, step-by-step guidance, while returning players enjoy faster, streamlined options based on their previous transactions. Operators can quickly test different formats for these instructions, making it easier to find what works best.

On top of that, automated KYC verification and embeddable solutions make the process even more seamless. Players don’t need to leave the platform for verification - it all happens within the payment flow. For instance, a Maltese player depositing €50.00 can complete the entire process, from selecting a payment method to confirming the transaction, without ever leaving the game interface.

Using Payment Data to Make Better Decisions

Fluid’s analytics dashboard turns payment data into actionable insights. Operators can track which payment methods perform best at specific times, identify where players drop off during transactions, and spot trends that could prevent revenue loss. With Fluid’s agile integration, these insights can lead to immediate adjustments. For example, the AI-powered detection system flags suspicious activity, helping operators act quickly.

This data-driven approach doesn’t just solve problems - it also helps tailor payment systems to different player segments, ensuring a more personalised experience.

Adapting the System for Specific Needs

Many payment systems lack flexibility, but Fluid’s modular design changes the game. It adapts to your business needs, whether you’re catering to high-roller VIPs who prefer cryptocurrency or casual players using local payment methods. Operators can customise payment flows for different player segments, add new gateways in minutes, and test variations - all without needing extensive developer input. This adaptability ensures that your payment setup works for you, not the other way around.

Conclusion: Growing Your iGaming Business with Fluid

Fluid's open ecosystem eliminates the hassles of slow integrations, rigid systems, and dependency on a single provider. With just two lines of JavaScript, you can deploy a payment solution in minutes, streamlining the process and saving valuable time.

This quick setup allows you to build a payment strategy that's adaptable and independent. Thanks to its multi-gateway functionality, you're not tied to one provider. Instead, you can operate multiple gateways simultaneously, ensuring better uptime and smarter routing as your business expands.

But it’s not just about speed. Fluid also offers a high level of control. Features like real-time analytics and AI-powered fraud detection help protect your revenue while boosting conversion rates. Need to adjust payment methods or themes? With Fluid, you can make those changes in less than a day, keeping pace with market demands. Plus, its system learns from every transaction, reducing the need for constant technical tweaks.

The numbers back this up too. By May 2025, Fluid had already processed 5 million transactions, and in October 2025, it teamed up with iConvert to enhance the click-to-deposit journey. These milestones highlight its scalability and reliability, delivering tangible benefits like improved player satisfaction and stronger business performance.

Fluid’s open ecosystem is built to fuel your growth.

FAQs

How does Fluid’s AI-powered payment customisation enhance the player experience?

Fluid’s AI-driven payment customisation takes the checkout process to the next level, turning it into a smooth and personalised experience for every player. By examining behavioural patterns - like favourite payment methods, usual deposit amounts, and peak activity periods - it predicts and displays the most suitable payment options in real-time. This personalised approach can boost deposit conversion rates by approximately 15% and cut abandonment rates by up to 30%, making the process more intuitive and hassle-free.

On top of that, the AI fine-tunes limits, offers tailored prompts, and ensures top-notch security with advanced fraud prevention measures - all without complicating the process. For operators in Malta’s euro-based market (€), this means delivering a faster, safer, and locally-tuned payment experience, while still retaining full control over the checkout design. The result is a consistent, player-centric journey that respects local preferences and expectations.

How does Fluid’s multi-currency support benefit iGaming operators in Malta?

Fluid’s multi-currency support makes it simple for iGaming operators in Malta to connect with players worldwide. By handling numerous fiat currencies and major cryptocurrencies through a single, unified cashier, the platform streamlines operations, cuts down on development costs, and removes the hassle of integrating each payment method separately.

Thanks to the platform’s Dynamic Currency Conversion (DCC) feature, players can view prices in their local currency, formatted in a familiar way like € 1.000,00. This not only builds trust but also reduces any confusion during checkout, leading to smoother transactions, better conversion rates, and higher deposit amounts. On top of that, the platform ensures full compliance with Malta Gaming Authority (MGA) standards, so operators can meet regulatory requirements without compromising the player experience.

With minimal technical effort, operators can broaden their reach, appeal to a diverse audience, and boost revenue - all while maintaining efficient and adaptable operations.

How quickly can iGaming operators integrate Fluid's payment system into their platforms?

Operators can set up Fluid's payment system in just minutes. The integration process is refreshingly simple, usually needing only two lines of JavaScript to get everything up and running.

This quick and hassle-free setup means operators can seamlessly upgrade their platforms with reliable payment solutions, minimising interruptions and keeping their focus on providing top-notch experiences for their players.