The benefits of Fluid over standard hosted cashier solutions
May 29, 2025
Fluid
Fluid revolutionizes iGaming payments with rapid integration, advanced fraud prevention, and a personalized user experience, surpassing traditional solutions.
The iGaming industry faces challenges like fraud, slow transactions, and outdated payment systems. Fluid offers a modern solution, addressing these issues with AI-driven features and faster integration. Here's why Fluid outperforms standard hosted cashier systems:
Quick Setup: Fluid integrates in minutes with just two lines of JavaScript.
Advanced Fraud Prevention: AI tools like real-time monitoring and behavioural analytics reduce fraud risks.
Customised User Experience: Personalised payment journeys improve satisfaction and conversion rates.
Operational Efficiency: Real-time data insights help optimise payment strategies.
Quick Comparison
Feature | Fluid | Standard Hosted Solutions |
|---|---|---|
Integration Time | Minutes | Weeks to Months |
Fraud Detection | AI/ML-driven | Rule-based, slower adaptation |
User Experience | Personalised, mobile-first | Generic, one-size-fits-all |
Analytics | Real-time insights | Basic reporting |
Fluid is a faster, smarter, and more secure payment solution, helping iGaming operators stay competitive and meet player expectations.
How Payment Tech Will Drive iGaming Growth
1. Fluid
Fluid is reshaping iGaming payment processing with its AI-powered platform, offering personalised solutions tailored to modern challenges. Unlike conventional systems with static interfaces, Fluid uses advanced technology to adapt to the specific needs and preferences of each user.
Integration Flexibility
One standout feature of Fluid is its incredibly quick and simple integration process. Operators can set up the platform with just two lines of JavaScript code, completing payment method configuration and theming in less than a day.
Fluid ensures that the payment interface seamlessly aligns with an operator's existing brand design, avoiding the generic iframe look that many standard solutions rely on. This not only enhances the user experience but also reinforces brand identity. On top of its ease of integration, Fluid incorporates robust security features into every transaction.
Fraud Prevention
Fluid's AI-driven fraud detection system operates in real time, offering cutting-edge protection against fraudulent activities. By continuously analysing transaction patterns and user behaviours, the platform can identify and address suspicious activities before they cause harm.
The security framework includes multiple protective layers working together for comprehensive defence:
Security Feature | Function | Benefit |
|---|---|---|
Biometric Authentication | Uses device-native security | Strengthens security effortlessly |
Real-time Monitoring | Continuously tracks user actions | Flags suspicious behaviour instantly |
AI Risk Assessment | Evaluates multiple security factors | Dynamically adjusts security measures |
Behavioural Analytics | Analyses user interaction patterns | Detects anomalies in real time |
This proactive fraud prevention system adapts to emerging threats, ensuring operators stay ahead of evolving fraud tactics.
User Experience
Beyond security, Fluid focuses on enhancing the payment journey to boost user satisfaction. Its AI technology delivers personalised and localised deposit experiences, adapting to each player's preferences and behaviours. By analysing user interactions, Fluid optimises payment flows, presenting the most relevant options and creating a smoother process.
The platform's mobile-first design caters to the growing trend of mobile gaming, ensuring seamless functionality across all devices. PowerPlay's adoption of Fluid highlights its impact on user experience. Dean Serrao, CEO of PowerPlay, shared:
"PowerPlay is committed to providing the best possible experience for our players, and fast, secure payments are a huge part of that. With Fluid's technology, players will enjoy a more intuitive and localized payment experience, making deposits faster and smoother."
Operational Efficiency
Fluid also helps operators streamline their operations with real-time analytics that provide actionable insights into player payment behaviours. These insights enable operators to refine payment offerings and improve the overall user experience. The platform's step-by-step payment guidance reduces abandoned transactions and boosts conversion rates.
Additionally, Fluid supports multiple currencies and cryptocurrencies, making it easier for operators to serve diverse markets without needing separate integrations. Roberto Rubio, CEO of Fluid, highlighted the platform's value:
"We're thrilled to welcome PowerPlay to the Fluid network. They're a fantastic operator with a clear focus on player experience, and we're excited to provide them with an advanced payments solution that directly contributes to their bottom line."
2. Standard Hosted Cashier Solutions
Standard hosted cashier solutions rely on third-party providers to handle player transactions. While this approach simplifies certain aspects of payment processing, it often comes with drawbacks that can hinder an operator’s ability to deliver a standout user experience and remain competitive in the market.
Integration Flexibility
A major issue with standard hosted cashier systems is their lack of integration flexibility. Many platforms operate under what Ashley Lang, CEO of Pragmatic Solutions, calls "forced ecosystem models". These setups restrict operators from freely integrating secondary technologies or customising their offerings to stand out in competitive markets.
As Lang puts it, "A lot of operators find out that the platform provider they're with is going to be a constraint on them reaching their business objectives very late".
Unfortunately, this realisation often comes after significant investments have been made, making it both expensive and disruptive to switch providers. Operators frequently prioritise quick market entry over long-term adaptability, only to face integration challenges later that stifle growth and innovation. These limitations can also weaken the effectiveness of fraud prevention strategies.
Fraud Prevention
Although standard hosted cashier solutions include fraud prevention tools, they often fall short in addressing the unique challenges of the iGaming industry. Fraud threats such as bonus abuse, multi-accounting, account takeovers, and chargebacks demand highly specialised detection systems.
In 2023, 80% of organisations reported experiencing payment fraud attacks or attempts. With global gaming profits projected to reach €182.8 billion by 2025, the need for robust fraud prevention is more critical than ever.
Standard platforms often rely on generic fraud detection systems, leaving operators to build their own Anti-Money Laundering (AML) compliance programmes. As noted, "there is no one-size-fits-all compliance regime, so each online casino must develop one in accordance with the specifics of their business". This adds another layer of complexity for operators already navigating a challenging landscape.
User Experience
Modern players expect seamless and personalised payment experiences, but standard cashier systems frequently fall short. These platforms often struggle to meet the demands of a mobile-first audience, delivering generic payment processes that fail to adapt to individual user preferences or behaviours.
A striking 49% of surveyed bettors said they would switch from their preferred betting app or site if a competitor offered faster withdrawals. This shows just how critical payment experiences are for retaining and attracting players.
Standard solutions typically lack customisation options, resulting in cookie-cutter interfaces that don’t reflect an operator’s brand identity. Without personalisation, players are left with a one-size-fits-all payment experience, which can erode loyalty and satisfaction.
Operational Efficiency
From an operational standpoint, standard hosted cashier solutions can introduce inefficiencies that impact both costs and player satisfaction. For example, while standard ACH processing might offer lower transaction fees, it often comes with high failure rates and NSF charges that negate any financial advantage.
These inefficiencies become particularly evident when operators need to cater to diverse markets with varying payment preferences and regulatory requirements. Additionally, standard solutions often lack advanced analytics, making it difficult for operators to optimise their payment strategies. The absence of real-time data and actionable insights limits their ability to make informed decisions.
Ashley Lang highlights the importance of overcoming these challenges: "Successful operators should prioritise and demand more control and more flexibility over being able to curate a suite of technologies that create a distinctive customer experience facing out to the market in terms of what they can offer their customers, and powerful operating tools in the back end for their operations teams to run the business they want to run it in the most efficient way".
Advantages and Disadvantages
When evaluating cashier solutions, it’s essential to weigh their strengths and limitations in the context of your business goals and the needs of your players.
Fluid's Key Advantages
Fluid stands out for its simplicity and speed. Integration takes just minutes, requiring only two lines of JavaScript. Theming and payment configuration can be completed in less than a day, making it a truly plug-and-play solution.
One of Fluid's standout features is its AI-powered fraud prevention. The platform leverages tools like AttackDog for secure fraud detection that doesn’t rely on extensive customer data, alongside WatchDog, the first payment tool driven by machine learning algorithms. This is particularly important in the iGaming industry, where fraud has become a growing concern. For instance, iGaming fraud spiked by 60% in 2024, with bonus abuse alone accounting for nearly 70% of incidents in the first quarter.
Fluid also excels in delivering an enhanced user experience. Its personalised, AI-driven deposit journeys allow for full customisation, moving beyond the limitations of generic iframe-based solutions. A real-world example of this is PowerPlay, which adopted Fluid's Smart Cashier in February 2025. This integration offered players a seamless and tailored deposit experience.
"With Fluid's technology, players will enjoy a more intuitive and localised payment experience, making deposits faster and smoother. This partnership also enhances our operational efficiency, ensuring we continue to deliver top-tier gaming experiences."
– Dean Serrao, CEO of PowerPlay
In contrast to the rigid nature of standard hosted solutions, Fluid provides agility and adaptability, which are crucial for modern gaming operators.
Standard Hosted Solutions: Limitations and Constraints
Standard hosted solutions, on the other hand, come with notable drawbacks. Their integration processes are often complex, requiring weeks or even months to complete. These systems also tend to lack flexibility, offering limited customisation options and basic analytics. Fraud prevention in such solutions typically relies on outdated, rule-based methods, which struggle to keep up with the evolving tactics of fraudsters. For context, global online payment fraud losses reached $41 billion in 2022 and were projected to grow to $48 billion by 2023. This reliance on conventional methods can lead to operational inefficiencies, extended setup times, and missed opportunities to optimise payment strategies or boost conversion rates.
Comparison Table
Criteria | Fluid | Standard Hosted Solutions |
|---|---|---|
Integration & Setup | 2 lines of JavaScript, minutes to deploy, configuration in under a day | Complex integration requiring weeks to months |
Fraud Prevention | AI/ML-driven with AttackDog and WatchDog | Rule-based systems, slower adaptation |
Customisation | Full brand integration, no iframes | Limited customisation, generic interfaces |
Analytics | Real-time insights and AI-driven A/B testing | Basic reporting and limited optimisation tools |
User Experience | Personalised, mobile-first design | Static, one-size-fits-all approach |
This comparison highlights the stark differences in functionality and performance between Fluid and traditional solutions. Fluid’s advanced features address many of the shortcomings associated with standard hosted systems, particularly in areas like user experience and operational efficiency - both of which directly influence revenue growth.
Antonio Carnevale, group head of payments at Hero Gaming, encapsulated these benefits:
"Fluid brings a powerful mix of speed, smart design and real-time data insights that align perfectly with our modular approach. By integrating their intelligent cashier, we're giving our partners a forward-thinking tool to increase conversion, improve user experience and make data-driven decisions that scale across markets."
– Antonio Carnevale, Hero Gaming
These differences in architecture and implementation create distinct value propositions. For operators, choosing the right solution means balancing these capabilities against their operational needs and growth plans.
Conclusion
Fluid stands out as a modern alternative to traditional hosted cashier solutions, tackling key pain points like integration challenges, user experience, and fraud prevention.
With just two lines of JavaScript for integration, Fluid allows operators to deploy quickly and focus on their core business operations without unnecessary technical hurdles.
On the user experience front, Fluid leverages AI-driven customisation to revolutionise payment processing. Features like dynamic adaptation and real-time A/B testing help improve conversion rates and enhance player satisfaction, making transactions smoother and more engaging.
Security is another area where Fluid excels. Its advanced fraud detection system ensures payments are not only seamless but also secure, giving operators and players peace of mind.
The benefits are already being realised in practice. When PowerPlay joined the Fluid network in February 2025, the impact was clear. As Roberto Rubio, CEO of Fluid, stated:
"We're thrilled to welcome PowerPlay to the Fluid network. They're a fantastic operator with a clear focus on player experience, and we're excited to provide them with an advanced payments solution that directly contributes to their bottom line."
For iGaming operators, Fluid offers a payment solution built for both current and future demands. With the global market continuing to expand, Fluid's flexible and forward-thinking design ensures operators can stay competitive while maintaining efficiency and earning player trust.
FAQs
How does Fluid's AI-powered fraud prevention system improve payment security?
Fluid's AI-driven fraud prevention system takes payment security to the next level by analysing transactions in real time to spot and block fraudulent activity. This smart approach helps minimise false positives, ensuring legitimate payments go through smoothly without unnecessary hold-ups.
What makes it stand out is its ability to constantly learn and adjust to new fraud tactics. Using advanced predictive algorithms, the system identifies potential threats before they become a problem. This means iGaming operators and players can enjoy payments that are not only secure but also hassle-free - perfectly suited to the fast-moving nature of the industry.
What makes Fluid's integration process ideal for iGaming operators in Malta?
Fluid's Integration Process: Tailored for iGaming Operators
Fluid's integration process is crafted to address the specific needs of iGaming operators, offering an easy setup that benefits both operators and players. By aligning perfectly with the operator's brand, it ensures a consistent and reliable user experience, helping to minimise transaction drop-offs along the way.
One standout feature is real-time transaction monitoring, which allows operators to quickly spot and address issues. This not only enhances security but also boosts user satisfaction by resolving problems swiftly.
Fluid also takes advantage of AI-powered personalisation to adapt payment flows to individual user preferences. This approach can lead to noticeable improvements in conversion rates. On top of that, its advanced analytics tools provide operators with insights to fine-tune their payment processes for even better results.
What’s more, Fluid operates in full compliance with Malta's regulatory standards, giving operators peace of mind when it comes to both legal and operational requirements in the local market.
How does Fluid enhance user experience and boost conversion rates in the iGaming sector?
Fluid transforms the iGaming experience by offering streamlined payment integration, tailored payment solutions, and cutting-edge fraud protection. These tools make transactions quicker, easier to navigate, and safer, fostering trust and satisfaction among players.
By tackling frequent challenges in payment processing, Fluid helps operators run more efficiently while giving users a stress-free experience. This level of reliability encourages players to complete their transactions smoothly, which can lead to higher conversion rates and better overall engagement.