Why Fluid is the best iGaming Cashier
Jun 3, 2025
Fluid
Fluid offers a fast, secure, and AI-driven payment solution for iGaming, enhancing player experience and operational efficiency.
Looking for a payment platform that’s fast, secure, and tailored for iGaming? Fluid delivers.
Here’s why Fluid stands out:
Fast Transactions: Near-instant deposits and same-day withdrawals meet player expectations.
Global Payment Options: Supports cards, e-wallets, cryptocurrencies, and local methods to suit every player.
AI-Powered Fraud Prevention: Real-time fraud detection cuts losses by up to 90%.
Player-Friendly Design: Personalised payment flows and user-friendly interfaces boost satisfaction and deposits.
Malta-Ready Compliance: Fully aligned with Malta Gaming Authority (MGA) standards, including euro (€) support and local formats.
Actionable Insights: Live dashboards and custom reporting help operators track performance and optimise revenue.
Fluid combines speed, security, and personalisation to improve player experience and operator success. Whether it’s reducing payment drop-offs or meeting strict regulations, Fluid is built for the future of iGaming in Malta and beyond.
How Fluid Processes Payments
Fluid's payment system uses machine learning and contextual insights to simplify the payment experience for players. By analysing transaction patterns and user behaviour, it ensures payments are efficient, secure, and straightforward, offering a smooth and hassle-free process for users.
Here's a closer look at how Fluid delivers quick, global, and locally tailored payment solutions.
Fast Transaction Processing
In the iGaming world, speed is everything when it comes to payments. Fluid’s AI-driven system enables near-instant deposits and withdrawals. By leveraging real-time A/B testing, the platform optimises deposit workflows, even during peak traffic, cutting down on delays. Its automated routing system adjusts to handle high transaction volumes, retrying failed payments with alternative processors. This approach not only boosts approval rates but also eliminates the need for manual oversight .
"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. This partnership also enhances our operational efficiency, ensuring we continue to deliver top-tier gaming experiences." - Dean Serrao, CEO of PowerPlay
In February 2025, Fluid teamed up with PowerPlay, a licensed Canadian iGaming operator, showcasing its ability to enhance payment processes through smarter deposit management and real-time tracking.
Global Payment Method Support
Fluid goes beyond speed by offering payment options that cater to a wide range of player preferences. It supports everything from traditional card payments (Visa, Mastercard) to popular e-wallets (PayPal, Skrill, Neteller, Apple Pay), bank transfers (Trustly, Pay by Bank), and even cryptocurrencies like Bitcoin, Ethereum, and Litecoin. Additional options include prepaid cards (Paysafecard), cash-based solutions (PayNearMe), and mobile billing services (Boku). This extensive selection reflects the diverse payment habits across global markets.
The platform also employs intelligent payment orchestration, routing transactions to the most reliable payment providers to maintain high approval rates. Interestingly, while card payments currently account for about 32% of global e-commerce transactions, this figure is expected to drop to 26% by 2026.
Malta Currency and Format Support
Fluid ensures a native experience for Maltese users by fully supporting euro (€) transactions with local formatting. For example, payment amounts are displayed using comma decimal separators (e.g., €1.234,56), and dates follow the dd/MM/yyyy format (e.g., 27/05/2025). The system detects player locations and preferences automatically, presenting currency and transaction details in a way that feels familiar to local users.
This localisation extends beyond just numbers and dates. Fluid’s contextual awareness adapts the payment interface to match local expectations, creating a seamless and intuitive experience tailored to the Maltese market. This feature is especially valuable for operators looking to expand across borders .
AI-Powered Fraud Prevention
Fraud remains a major challenge for iGaming operators, with global online payment fraud losses hitting a staggering US$41 billion in 2022 and expected to climb to US$48 billion by the end of 2023. Fluid’s AI-driven fraud prevention system offers a powerful solution, using machine learning to safeguard transactions and minimise risk. Its models are designed to adapt and evolve, staying one step ahead of new fraud techniques.
Real-Time Fraud Detection
Fluid’s machine learning models process massive amounts of data in real time, distinguishing suspicious activities from legitimate transactions. By employing both supervised and unsupervised learning methods, the system can block fraudulent actions and identify emerging fraud tactics, cutting fraudulent losses by as much as 90%. Predictive analytics enhance this further by forecasting transaction patterns, making it easier to detect unusual behaviour. Meanwhile, graph analysis techniques examine relationships between entities, exposing potential fraud networks. These real-time features enable the platform to flag or block suspicious transactions instantly, ensuring robust protection.
Industry Standard Compliance
Beyond detection, Fluid strengthens its system with strict adherence to industry regulations. It complies with PCI-DSS standards and Malta Gaming Authority (MGA) security requirements, providing a secure framework for Malta-based iGaming operators. Fluid’s AI tools also improve user verification by analysing biometric data and validating document authenticity, reducing the risks of fake accounts and identity theft. The system supports Know Your Customer (KYC) and Anti-Money Laundering (AML) protocols by thoroughly examining identity documents and flagging activities linked to money laundering. This comprehensive compliance framework not only helps operators meet regulatory obligations but also allows them to quickly identify and address suspicious accounts.
Dynamic Risk Assessment
Fluid assigns and updates risk scores in real time using weighted data. Its models are consistently retrained to adapt to evolving fraud tactics, including the use of AI-generated identities and deepfakes, which are becoming increasingly common. The system also tracks cross-account behaviours to monitor bonus abuse, a growing concern for operators. With reports indicating that 56% of fraud analysts observed activity from fraud rings in 2023, Fluid’s extensive monitoring capabilities provide essential protection. This allows operators to predict and prevent fraud effectively while ensuring a seamless experience for legitimate players.
Player Experience Optimisation
A seamless payment process is key to keeping players happy and boosting conversion rates. Fluid reimagines the traditional cashier system by focusing on what players need most. With smart technology at its core, it eliminates unnecessary hurdles and creates smooth, guided payment journeys. Let’s explore how personalised flows, intuitive design, and strict regulatory compliance come together to elevate the payment experience.
Customised Payment Flows
Fluid’s personalisation engine works in real time to adapt to each player’s unique habits and preferences. By analysing player behaviour, preferred payment methods, and past transactions, the platform tailors payment options to match individual needs at the perfect moment.
"Drive more deposits with real-time personalisation that adapts to each player's behaviour and context. No friction. No guesswork. Just results." - Fluid
Returning players see their preferred payment methods front and centre, while new users are guided step-by-step through the deposit process with intelligent prompts and shortcuts.
In Q2 2025, Hero Gaming teamed up with Fluid to integrate its intelligent cashier technology across multiple platforms and brands. The goal? To deliver faster, more intuitive deposit experiences that improve user satisfaction and conversion rates.
"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, Group Head of Payments at Hero Gaming
User-Friendly Interface Design
Fluid’s design philosophy centres around user-friendly interfaces that make transactions effortless. Built with a mobile-first approach, the platform ensures a consistent and seamless experience across all devices - ideal for today’s iGaming players who frequently switch between desktop and mobile.
The cashier interface simplifies the payment process by removing unnecessary steps and presenting options in a clear, visually appealing way. This design minimises mental effort, allowing players to complete transactions quickly and confidently. Features like step-by-step guidance, progress indicators, and clear error messages ensure that even first-time users can navigate the system with ease.
Malta Regulatory Compliance
Fluid’s payment system is fully aligned with Maltese regulations and the requirements set by the Malta Gaming Authority (MGA). This ensures that operators can remain compliant while still delivering an excellent user experience. Essential compliance checks - such as verifying identities, confirming ages, and implementing responsible gaming measures - are seamlessly integrated into the payment flow, so legitimate players aren’t inconvenienced.
The platform also supports Malta’s currency standards and caters to local banking preferences, offering popular payment methods familiar to Maltese players. This creates a payment environment that feels both secure and convenient.
Behind the scenes, Fluid’s compliance features handle transaction record-keeping, generate required reports for regulatory bodies, and ensure all processes meet Malta’s stringent iGaming standards. This allows operators to focus on their players while staying confidently within regulatory boundaries.
Data Analytics and Reporting
Timely and accurate data is the backbone of effective decision-making. Fluid transforms raw data into clear, actionable insights, enabling iGaming operators to better understand player behaviour, spot growth opportunities, and refine payment processes. With advanced analytics tools and flexible reporting features, operators can monitor performance metrics while improving both player satisfaction and operational workflows. All this information is available instantly through intuitive live dashboards.
Live Analytics Dashboards
Fluid's real-time dashboards provide instant insights into payment performance. By bringing together metrics like protocol revenue trends, transaction volumes, and deposit activity, these dashboards give operators a comprehensive view of their operations. This allows them to quickly evaluate performance and respond to trends or issues as they arise.
Custom Report Generation
Fluid's reporting tools are designed to meet the unique regulatory and business needs of iGaming operators, particularly in Malta's tightly regulated market. Given Malta's pivotal role in the iGaming industry, the system provides EU-compliant reports that meet Malta Gaming Authority standards. Beyond compliance, operators can generate tailored reports that align with their specific business goals.
The platform offers detailed transaction histories, summaries of player activity, and audit trails to ensure transparency and regulatory compliance. Reports are automatically formatted to adhere to local standards, integrating smoothly with accounting systems and regulatory submissions. Operators can schedule reports for automatic delivery on a daily, weekly, or monthly basis. Additionally, custom filters allow businesses to zero in on specific metrics or player segments, aligning reporting with their strategic priorities. On top of this, Fluid highlights operational inefficiencies through conversion rate analysis, helping operators identify and resolve bottlenecks.
Conversion Rate Analysis
Fluid’s conversion rate analysis sheds light on where players abandon the payment process, giving operators the information they need to address these issues and implement changes that boost revenue.
"Understanding and leveraging key performance metrics is crucial for small and medium-sized casino managers and owners. Unlike traditional casinos, online platforms generate vast amounts of data. When properly analysed, that data offers actionable insights into player behaviour, marketing effectiveness, and operational efficiency, giving smart operators a major competitive edge."
– Anton Shmerkin, iGaming market researcher, GR8 Tech
This kind of analysis is especially critical when considering that 55% of iGaming players drop off within a year. By focusing on key moments in the payment journey, Fluid empowers operators to improve retention rates and drive revenue growth.
Why Fluid is the Top iGaming Payment Solution
Fluid's AI-powered platform takes iGaming payments to the next level by improving conversion rates, increasing deposit value and frequency, and cutting out fraudulent transactions. It achieves this by leveraging advanced AI to optimise the entire revenue pipeline, ensuring a smoother and more efficient payment process.
At the heart of Fluid's success is its AI personalisation engine, which adapts on the fly by analysing user behaviour and fine-tuning deposit workflows in real time. This means the system gets smarter with every interaction, constantly improving the user experience.
One standout feature is its geo-based sorting, which prioritises local payment methods and displays amounts in euros with proper formatting, fully aligned with Malta Gaming Authority standards. This approach has been shown to boost conversion rates by as much as 80%.
A great example of Fluid's effectiveness is its partnership with Hero Gaming. By choosing Fluid, Hero Gaming has been able to offer smarter, more streamlined payment journeys for its players. This collaboration underscores how established operators trust Fluid to enhance the player experience while driving measurable business growth.
Fluid's plug-and-play setup ensures operators can hit the ground running, with a quick deployment process that delivers immediate results. Its seamless brand integration eliminates the need for generic iframes, making the payment experience feel like a natural part of the operator's platform rather than a third-party overlay.
Roberto Rubio, CEO of Fluid, highlights the platform's operator-focused approach: "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".
From the first player interaction to post-transaction analytics, Fluid offers a complete solution. Its holistic strategy not only provides operators with valuable insights into user behaviour but also helps improve conversion rates, reduce fraud, and deliver an outstanding user experience. For iGaming operators looking to stay ahead, Fluid is the clear choice.
FAQs
How does Fluid protect payments and ensure secure transactions in the iGaming sector?
Fluid employs a thorough strategy to protect transactions within the iGaming industry. By leveraging AI-driven fraud detection, it monitors and analyses payments in real time, quickly spotting and halting any suspicious activity. On top of that, encryption and tokenisation safeguard sensitive player data, keeping personal information private and secure.
To strengthen security even further, Fluid integrates two-factor authentication (2FA) for verifying users and keeps a constant eye on login patterns to flag any unusual activity. Together, these measures ensure payments remain secure while offering a smooth experience for both operators and players, creating a sense of trust and safety.
How does Fluid ensure faster payment processing for iGaming transactions?
Fluid speeds up payment processing by using AI-powered technology to simplify and optimise transaction workflows, cutting down on delays. With its real-time processing capabilities, payments are completed instantly, improving the overall experience for users.
The platform also relies on multiple active data centres to ensure consistent reliability and minimise downtime. This solid infrastructure guarantees uninterrupted service and smooth transactions, even during high-traffic periods. Paired with its advanced systems, Fluid is built to handle the high-speed demands of the iGaming industry with ease.
How does Fluid use AI to improve payment experiences for iGaming players?
Fluid uses AI-powered solutions to deliver smarter, faster, and safer payment experiences for iGaming players. By studying user behaviour, it recommends tailored payment options, making transactions not only quicker but also more seamless. This approach creates a payment process that feels custom-made for each player.
On top of that, Fluid’s cutting-edge fraud detection system keeps a constant eye on transaction patterns in real time. This vigilant monitoring helps minimise the chances of fraudulent activities, providing secure and reliable payment options. By blending personalisation with strong security measures, Fluid simplifies payments while fostering player trust and loyalty.