How Fluid Solves the Pain Points Left by PaymentIQ

Fluid is an AI-powered payment solution designed to fix common challenges in the iGaming industry, such as failed transactions, limited payment methods, and security issues. It simplifies cross-border payments, supports multiple currencies (including cryptocurrencies), and ensures mobile-friendly experiences. By using real-time data and machine learning, Fluid reduces transaction failures, improves security, and complies with local regulations like those in Malta. Here's what sets it apart:

• AI-driven transaction routing: Prevents failures by dynamically rerouting payments.

• Wide payment options: Supports fiat and cryptocurrencies in a single system.

• Mobile-first design: Optimised for smooth payments on smartphones and tablets.

• Fraud prevention: Monitors activity in real-time to detect and stop fraud.

• Local compliance: Tailored for regional regulations, including Malta's strict standards.

Fluid offers a smarter way to handle payments, ensuring smoother transactions, happier players, and fewer operational headaches for operators.

Revolutionising payments in the gaming industry

Common iGaming Payment Problems

Payment issues in the iGaming sector can have a direct and immediate impact on both operator revenue and player satisfaction. The most pressing challenges arise from outdated technology, limited payment options, and the constant threat of security breaches. Even the most well-established platforms can struggle if these issues aren’t properly addressed.

Let’s break down the major payment hurdles affecting operators today.

Too Many Failed Transactions

Failed transactions don’t just hurt revenue - they also harm the relationship between players and operators. When a player tries to deposit funds and the transaction fails, it’s not just the immediate deposit that’s lost. It’s also the trust that the platform can reliably handle their money. Players rarely retry after a failed transaction; instead, they’re likely to leave the platform altogether.

These failures can happen for various reasons, including:

• Bank declines

• Insufficient funds

• Network timeouts

• Payment processor errors

Unfortunately, many traditional systems lack the ability to pinpoint the root cause of the failure or reroute payments through alternative methods when problems arise.

Timing makes these failures even more damaging. Players typically deposit funds when they’re ready to play. A failed transaction at this moment disrupts their experience and often leaves a negative impression of the platform.

Things get even more complicated with cross-border transactions. Different regions have unique banking regulations, and systems that aren’t optimised for local practices often see higher failure rates. For operators working in international markets, these failures can quickly add up.

The financial fallout doesn’t stop at lost deposits. Failed transactions often trigger chargebacks, increase customer support costs, and create additional administrative work. On top of that, operators risk losing the lifetime value of players who abandon the platform due to payment frustrations.

Not Enough Payment Methods

A limited selection of payment options can be a major roadblock for attracting and retaining players. Today’s users expect to pay using their preferred methods, whether that’s a credit card, digital wallet, bank transfer, or even cryptocurrency. When operators can’t meet these expectations, players often turn to competitors who can.

This issue is especially pronounced in international markets, where payment preferences vary widely. For example, what works for players in Malta might not suit those in Asia or South America. To succeed globally, operators need systems that offer localised payment options while maintaining a seamless user experience across all methods.

Cryptocurrency is becoming increasingly important as digital assets like Bitcoin and Ethereum grow in popularity. Players now expect to see these options alongside traditional payment methods. However, integrating both fiat currencies and cryptocurrencies can be technically challenging, forcing some operators to choose between supporting crypto or sticking with conventional methods.

Another common issue arises from payment systems designed primarily for desktop use. With mobile gaming dominating the iGaming space, systems that aren’t optimised for mobile can create unnecessary friction during the deposit process, driving players away.

Managing multiple payment options also comes with operational challenges. Each method requires its own integration, compliance checks, and ongoing maintenance. This complexity often leads operators to limit their payment offerings, which can hurt player satisfaction and retention.

Security and Fraud Issues

As cybercriminals become more sophisticated, fraud prevention has become a top priority for iGaming operators. Static security measures often fail to keep up with evolving threats, leaving platforms vulnerable to financial losses and reputational damage.

One major challenge is identity verification. Ineffective verification processes can open the door to money laundering, fraudulent accounts, and regulatory violations. On the other hand, overly complicated procedures can frustrate genuine players, causing them to abandon the platform altogether.

Chargeback fraud is another costly headache for operators. Players may dispute legitimate transactions - often after losing money - by claiming unauthorised use or dissatisfaction with the service. Many traditional systems lack the tools needed to track and defend against these fraudulent claims effectively.

Data security is also a growing concern. Payment systems handle sensitive financial information, and operators must comply with strict data protection laws while ensuring the process remains smooth for players. Striking the right balance between robust security and a seamless user experience requires advanced systems capable of assessing risks in real-time.

On top of this, regulatory compliance adds another layer of complexity. Different jurisdictions have unique rules for fraud prevention, data protection, and transaction monitoring. Payment systems that can’t adapt to these regulations risk penalties or even losing their operating licences.

To stay ahead of these challenges, operators need systems that can analyse transactions instantly and detect fraud before it causes significant damage. Traditional systems relying on delayed or batch processing simply can’t keep up with the fast-paced nature of iGaming.

These issues highlight the importance of adopting smarter, more adaptive payment solutions to ensure both security and a smooth player experience.

How Fluid Fixes These Payment Problems

Fluid tackles payment challenges head-on with an AI-powered system that processes transaction data in real time. By identifying patterns and addressing potential issues before they escalate, Fluid ensures smoother transactions and reduces disruptions that can harm user experiences or impact revenue. Below, we break down how Fluid's technology resolves specific payment issues.

Using AI to Stop Transaction Failures

Fluid's AI continuously tracks transaction flows, analysing factors like fees, currencies, and regional variables to optimise payment routes. By leveraging historical data, it predicts and prevents failures before they occur. If a transaction shows signs of increased risk, the system dynamically reroutes it, ensuring deposits go through without a hitch. This capability is especially critical for cross-border payments, where regional complexities can often cause delays or errors. By proactively managing routing, Fluid not only improves reliability but also opens the door to more payment options.

Expanding Payment and Currency Options

Fluid supports a wide range of payment methods and currencies, catering to both traditional options like euros (€), British pounds, and US dollars, as well as popular cryptocurrencies. Its unified interface ensures a consistent and straightforward experience, regardless of the payment type. With a mobile-first approach and setups tailored to Malta's local market, Fluid makes it easy for users to transact in their preferred currency without added hassle. This level of flexibility is paired with robust security measures, providing peace of mind for every transaction.

Strengthening Security with AI Fraud Detection

To combat fraud, Fluid employs advanced AI that monitors transaction patterns and user behaviour in real time. The system flags suspicious activity early, triggering precise verifications to maintain a balance between security and user convenience. Built with regulatory compliance in mind, Fluid's security measures adapt to meet the specific requirements of different jurisdictions. This evolving framework ensures that as threats grow more sophisticated, the platform remains a step ahead, offering both protection and a seamless payment experience.

Better User Experience and Local Setup

Fluid is designed to elevate the user experience, making transactions easy and secure across devices and regions, while adhering to strict security and compliance standards.

Mobile-First Design for Players

In today’s world of mobile gaming, payment systems need to work flawlessly on touchscreen devices. Fluid’s mobile and tablet-first design ensures that every part of the payment process feels natural on smaller screens. Features like touch-friendly buttons, intuitive navigation, and simplified checkout flows make transactions quick and hassle-free.

To further reduce user drop-off, Fluid provides clear, step-by-step guidance throughout the payment process. This ensures players know exactly what’s required and how to move forward at every stage, minimising confusion and abandonment.

These mobile-friendly features are seamlessly combined with Fluid’s localised setup, providing an experience tailored to the unique needs of each market.

Local Setup for Malta and Other Markets

Fluid doesn’t stop at mobile optimisation - it goes further by tailoring every payment detail to local market standards. For operators in Malta, for example, the system automatically adjusts formats for euro amounts (e.g., €1,234.56), dates (DD/MM/YYYY), and times (24-hour clock) to align with local expectations.

The platform’s AI-powered personalisation enhances localisation by adapting to regional payment habits. For Mediterranean markets like Malta, where certain payment methods are more trusted or popular, Fluid prioritises these options while still offering a full range of alternatives.

Compliance with local regulations is another key strength of Fluid’s setup. The platform dynamically adjusts verification steps, documentation requirements, and reporting tools to meet the specific legal frameworks of each jurisdiction. For Malta, this means adhering to its stringent regulatory environment while improving transaction efficiency - a win for both operators and users.

Fluid also delivers real-time analytics that provide market-specific insights. Operators can use these insights to refine their payment strategies, understanding factors like local preferences, average transaction values, and peak activity times. This data not only helps optimise the payment experience but also reveals opportunities to expand payment options or fine-tune the user journey for better results.

Conclusion: Building Better iGaming Payments with Fluid

The iGaming payment process doesn't have to be a source of frustration. Fluid's AI-driven platform offers a smarter way to handle transactions, tackling long-standing issues like failed payments, limited payment methods, and security risks head-on.

What makes Fluid stand out is its intelligent payment processing system. By learning from each transaction, the AI continuously improves success rates while reducing fraud. This means operators experience fewer failed transactions, higher conversion rates, and happier players who can deposit and withdraw funds without unnecessary hassle.

Fluid also supports a wide range of currencies and payment methods, including options tailored to Malta's market. This is a game-changer for Malta-based operators, who must cater to a diverse international audience while adhering to strict regulatory standards.

The platform is designed with a mobile-first approach and localised features, ensuring smooth and efficient transactions that meet specific market needs. Real-time analytics give operators valuable insights to fine-tune their payment strategies and uncover new revenue streams.

With these advanced capabilities, Fluid delivers real business benefits. Operators can enjoy better player retention, lower transaction costs, and simplified compliance processes. The platform’s seamless integration with operator brands ensures a consistent and trustworthy user experience, avoiding the pitfalls of generic payment pages that often harm player confidence and conversion rates.

For iGaming operators looking for a secure, scalable payment solution, Fluid offers the tools and flexibility needed to thrive in today’s competitive landscape. Combining AI-powered personalisation, robust fraud protection, and expertise in local markets, Fluid creates a payment system that works for both operators and players.

The future of iGaming payments is smarter and safer - designed to solve the challenges the industry faces today.

FAQs

How does Fluid use AI to reduce failed transactions in iGaming payments?

Fluid uses AI-powered transaction routing to tackle failed payments in the iGaming industry. By processing real-time data, it intelligently picks the most dependable payment routes, cutting down on declines caused by network hiccups or gateway constraints.

On top of that, its AI keeps a constant watch on transaction patterns, spotting and resolving potential fraud or technical glitches before they escalate. This approach leads to smoother payments, a higher success rate, and a better overall experience for both operators and players.

How does Fluid ensure compliance with Malta's local regulations for payment processing?

Fluid ensures full compliance with Malta's regulatory framework by adhering to the standards set by the Malta Gaming Authority (MGA). This includes strict alignment with local licensing laws for all payment operations. To prioritise transparency and security, Fluid employs rigorous Know Your Customer (KYC) and Anti-Money Laundering (AML) protocols, which involve detailed customer verification processes and real-time monitoring of transactions.

Furthermore, Fluid operates in accordance with the legal guidelines established by the Malta Financial Services Authority (MFSA), the body responsible for regulating financial practices and credit institutions. These measures guarantee that payment systems remain secure and fully compliant with Malta's laws, offering a reliable framework for operators within the iGaming industry.

How does Fluid's mobile-first design improve the payment experience for players on smartphones and tablets?

Fluid’s mobile-first design prioritises a seamless and user-friendly payment experience for players on smartphones and tablets. The interface is tailored for smaller screens, ensuring effortless navigation without any frustration. With incredibly fast load times and real-time customisation, players can make deposits swiftly, skipping unnecessary steps.

Standout features like smart payment method selection and automated KYC verification streamline transactions while maintaining security. This means players can dive into their gaming sessions without delays, boosting convenience and overall satisfaction.