01
Collect
Receive money from customers, members, students, donors, clients and partners.
Fluide Pay
Move money. Understand your finances. Build trust.
Fluide Pay combines payment infrastructure with embedded accounting and financial management through Fluide Books—helping businesses and organizations collect money, make payments, reconcile transactions, understand financial performance and build trusted financial records.
Payments. Accounting. Financial visibility. Capital readiness.
Financial visibility
XOF 42.8M
84%
Revenue
12%
Cash flow
4%
Receivables
Receipt issued
FP-884391Books updated
BooksCapital-ready records
ReadyFluide Pay moves your money. Fluide Books makes sense of it. Fluide Capital helps turn financial trust into opportunity.
Why Fluide Pay exists
Payments should create more than transaction records.
Across Africa, businesses receive money through mobile money, bank transfers, cards, wallets, QR codes, payment links, invoices and other channels.
But payment activity often remains disconnected from accounting. A business may know that it received money without knowing:
- what the payment was for
- which invoice it settled
- how much revenue it generated
- what fees were deducted
- what expenses were associated with the transaction
- how the transaction affects cash flow
- what its financial performance looks like
Fluide Pay changes that. Every payment can become part of an organized financial record.
Fluide Pay moves the money. Fluide Books accounts for the money. Fluide's financial intelligence helps you understand the money. Fluide Capital connects eligible organizations to capital opportunities.
The Fluide financial infrastructure
From payment to financial intelligence.
02
Pay
Send money to employees, suppliers, contractors, agents, beneficiaries and partners.
03
Reconcile
Match transactions against invoices, sales, payroll, expenses, subscriptions and other records.
04
Account
Fluide Books automatically organizes eligible financial activity into your accounting records.
05
Understand
Monitor revenue, expenses, cash flow, receivables, payables and financial performance.
06
Build trust
Maintain structured financial records that demonstrate your organization's financial activity and performance.
07
Become capital-ready
Use your financial information to strengthen applications and readiness for financing and investment opportunities through Fluide Capital, subject to eligibility and applicable requirements.
Fluide Pay + Fluide Books
Your payments and accounting should speak the same language.
Traditional payment systems often stop when the payment succeeds. Fluide Pay doesn't have to. With Fluide Books embedded into the Fluide Pay experience, payment activity can flow into your financial management environment, reducing the gap between money movement and accounting.
You can connect
SalesInvoicesCustomer paymentsExpensesVendor paymentsPayrollSubscriptionsPayoutsSettlementsRefundsFeesReceivablesPayables
Less manual bookkeeping. Better financial visibility. Stronger financial records.
Finance records
Know how your organization is performing.
Fluide Pay and Fluide Books help transform transaction activity into useful financial information.
Revenue
Know what your organization is earning.
Expenses
Understand where money is going.
Cash flow
See money coming in and going out.
Receivables
Track money customers or clients still owe.
Payables
Understand obligations to suppliers and other stakeholders.
Financial performance
Use structured financial records and reports to understand the health of your organization.
Fluide Capital
Build the financial foundation for your next opportunity.
Access to capital starts with trust. Lenders, investors and other capital providers need reliable information to understand a business or organization. Fluide helps you build that foundation.
With Fluide Pay + Fluide Books, organizations can build structured transaction histories, accounting records, revenue and expense records, cash-flow visibility, financial reports, payment histories, reconciliation records and financial performance information.
Then connect to Fluide Capital. Fluide Capital is Fluide Group's ERP and private capital marketplace connecting businesses and organizations with capital providers—including lenders, investors and grant makers.
Financial information generated through Fluide can help eligible organizations become more prepared for financing and investment opportunities. Your financial activity should help tell your financial story.
- Structured transaction histories
- Accounting records
- Revenue and expense records
- Cash-flow visibility
- Financial reports
- Payment and reconciliation records
Fluide Capital connects eligible organizations with lenders, investors and grant makers. Financial records or use of Fluide Pay do not guarantee financing, investment or other capital approval.
Important note: Capital opportunities are subject to eligibility, verification, underwriting, investor/lender criteria and applicable laws and regulations.
Payments, accounting & financial intelligence
One infrastructure for your financial workflows.
One connected infrastructure for moving and understanding money.
Accept payments
- Mobile money
- QR
- Payment links
- Checkout
- Bank transfers
- Cards where available
- Wallets
- Invoices
- Subscriptions
Send payments
- Employees
- Vendors
- Contractors
- Agents
- Sellers
- Beneficiaries
- Partners
- Customers
Issue receipts
- Digital receipts with transaction references, payment details and status
Reconcile
- Invoices
- Sales
- Orders
- Subscriptions
- Payroll
- Loans
- Donations
- Grants
- Vendor bills
- Accounting records
Manage settlements
- Pending, successful and failed settlements
- Fees and settlement records
Use escrow
- Milestone-based payment flows where supported
Account for transactions
- Connect eligible payment activity to Fluide Books
Analyze performance
- Use accounting and transaction data to understand your organization
Build with APIs
- Embed payment and financial workflows into your own applications
Pay + Books + Capital
Turn financial records into financial opportunity.
Fluide Pay moves your money. Fluide Books makes sense of it. Fluide Capital helps turn financial trust into opportunity.
01
Fluide Pay
Move money.
02
Fluide Books
Account for money.
03
Financial intelligence
Understand performance.
04
Capital readiness
Build the information needed for capital conversations.
05
Fluide Capital
Connect with eligible lenders, investors and grant makers.
Fluide
The financial infrastructure layer of Fluide.
Fluide Pay powers financial workflows across the Fluide ecosystem—with accounting and financial intelligence on top of money movement.
Fluide Business
Business collections, vendor payments, payroll, invoices, subscriptions and reconciliation.
Fluide Lite
Merchant payments, QR, mobile money, payment links and receipts.
Fluide Capital
Capital calls, escrow, loan disbursements, repayments, investor payouts and milestone releases.
Fluide Finance
Financial transactions, savings, loan repayments and disbursements.
Fluide Jobs
Employer payments, recruiter payouts, marketplace services and escrow.
Fluide Protect
Protection-related collections and payments.
Fluide Academy
Course fees, certifications and trainer payments.
Fluide Hub
Partner subscriptions, marketplace payments and commissions.
Fluide Pay
Your money should do more than move.
Collect it. Pay it. Account for it. Understand it. Build trust from it. And use better financial visibility to prepare for your next opportunity.