B2B Payments Made Fluid

Grow Now. Get Paid Faster. Pay Later.

Why Sellers Go Fluid

Digital wallet icon representing B2B payments.

Get Paid Upfront

Receive up to 90% of invoice value once goods are delivered.

Blue teardrop shape with a smaller green heart overlapping it representing B2B BNPL.

AI Instant Credit Approval

Buyers get credit decisions in seconds - no manual reviews.

Circular arrow with dollar sign, representing B2B transactions.

Flexible Payment Options

Let buyers choose: pay now, on delivery, or up to 90 days later.

Blue gear icon with green checkmark, symbolizing B2B payment processing.

Fuel Your Growth,
Not Your Debt

We underwrite your buyers, take on the credit risk, and handle late payments.

Two overlapping shields, one with a checkmark signifying simple AR management.

Effortless Reconciliation

Buyers pay digitally and our AI agent auto-reconciles payments.

Four puzzle pieces fitting together, showing seamless integration of Fluid to platforms.

AI + Human Collections

Our AI agent segments buyers and handles follow-ups, backed by an empathetic in-house team.

How Fluid Works

Your Buyers Order Through ERP

Seamless intergration with B2B payments, symbolized by open door and arrow.

Connect Your ERPs or Accounting Systems

Integrate with Xero, QuickBooks, Netsuite & more in 5 minutes.

A web interface showcasing B2B BNPL integrations, including Xero, QuickBooks, and more.

Choose B2B buyers with Fluid, symbolized by "2" and checkmark on person icon.

Select Your Buyers

Auto-import B2B buyers from your ERP.

Screenshot of a B2B BNPL platform interface, showing a buyer selecting preferred credit terms.

"3" and document with magnifying glass, representing thorough credit checks.

Check Credit Instantly

Fluid assesses buyer limits to reduce late payments.

B2B BNPL platform with instant credit checks and approvals.

"4" with a hand holding a coin, symbolizing upfront payments.

Get Paid Day 1

Receive upfront payment once orders are fulfilled.

B2B BNPL payment confirmation: Instant payout to seller after order completion.

"5" with shield and checkmark, symbolizing flexible payment options.

Offer Buyer Flexibility

Let buyers pay now, on delivery, or later - Fluid handles the rest.

B2B BNPL dashboard showing invoice status and payment options.

Your Buyers Order Through Website

"1" and shopping cart icon, representing a seamless checkout experience.

Simplify Checkout for Buyers

Your buyers enjoy a seamless checkout experience with Fluid after adding items to their cart.

B2B BNPL checkout page with shopping cart and ""Buy"" button.

"2" and wallet icon with "Fluid", symbolizing multiple payment options.

Provide Flexible Payment Options for Buyers

Your B2B buyers can choose to pay later via credit, auto-debit, PayNow, or wire transfers.

B2B BNPL online checkout screen offering flexible payment methods

"3" with document and magnifying glass icon, depicting instant credit approvals.

Get Instant Credit Approvals

Fluid instantly assesses buyer creditworthiness and approves B2B transactions within seconds.

B2B BNPL application form with Singpass and online options.

"4" and shield with checkmark, representing flexible payment terms for B2B buyers.

Offer Flexible Payment Terms for Buyers

Your business buyers can pay on credit terms or split their purchases into easy installments.

B2B BNPL checkout with flexible net terms selection (30/45/60 days)

"5" and hand receiving a coin, symbolizing instant payouts and upfront payments.

Get Paid Immediately

You get paid instantly upon order completion, helping you fuel working capital for further growth.

B2B BNPL order confirmation screen with successful payment message.

Our Solutions

B2B BNPL payment screen on a mobile phone, showing various payment methods.

Seller Portal - Get Paid on Day 1

Offer buyers net terms without waiting to get paid

Offer buyers 30-60 days net terms with Fluid’s AI engine

Automate invoices with ERP/API sync

Buyer Portal - Pay Bills Later

Pay vendors later, stay cash-flow positive

Pay vendor bills later with a Fluid credit line

Sync and auto-match bills with purchase order / delivery

Invoice management and payment options on desktop and mobile using Fluid's Payments Portal.

Fluid's B2B Payment Portal dashboard showcasing invoice and payment summaries.

B2B Payment Checkout

Give buyers payment flexibility at checkout.

Let buyers choose: Pay Now, Pay on Delivery, or Pay Later.

Embed seamlessly into your B2B website or ordering app

Trusted by Industry Leaders

Hear from Our Satisfied Clients

Nichol Ng, CEO of X-Inc Group of companies is Fluid's satisfied client.

Nichol Ng

CEO of X-Inc Group of companies

Unlike any other typical fintech players, Fluid listens to our needs and provides customized solutions to FoodXervices. I'm excited to revolutionize the traditional F&B industry with Fluid!

Logan Tan, Cofounder & CEO of Eezee is Fluid's satisfied client.

Logan Tan

Cofounder & CEO of Eezee

Fluid provides fast and secure B2B payment processing, reduces payment delays and streamlines financial transactions between buyers and sellers.

JiaCai Lau, Cofounder of TreeDots is Fluid's satisfied client.

JiaCai Lau

Cofounder of TreeDots

Fluid increases our small businesses buyers' basket size by 115% and converted 15% more new buyers for us. We are onboarding more buyers to Fluid.

Backed by Investors

Insignia Ventures Partners

Grab

Iterative

New Stack

AI B2B payment platform enabling businesses to get pay faster and pay later seamlessly!