Page 23 - GS220302

CompanyProfile

Cloud-based innovators, rainmakers and partners

luid Pay began in a West Chicago airplane han-
gar in 2017, then headed skyward to the cloud.
After searching for fast, secure and efficient
F payment technology, co-founders Jeff Rooney
and Nick Cucci, who is quoted throughout this profile,
decided to build their own gateway. The resulting jour-
ney has been rewarding for the company and its partners,
Cucci stated.
ISO/MLS contact:
"We were tired of antiquated gateway technology, so we
went out on a limb to create a modular, secure system Kevin Calabrese
that would leverage Google Compute Engine for speed,
security and no down time," Cucci said. "We became the Executive Vice President
first cloud-based payment gateway to achieve Level 1 PCI sales@fluidpay.com
Compliance from Security Metrics."
630.526.8670
Ted Cucci, a payments industry leader and former NMI
founding partner, joined Fluid Pay in 2018, helping build www.fluidpay.com
the company's team and technology suite. Today, he
serves as president and CEO, with fellow leaders Nick
Cucci, chief operating officer and certified fraud examin- and card-not-present cash discount and surcharging so-
er; Jeff Rooney, chief technology officer; Tom Duffy, chief lutions and the company's signature Automatic Account
financial officer; Kevin Calabrese, executive vice presi- Updater, all of which are easily accessible and backed by
dent sales; and 20 employees at the company's headquar- an integrated semi-RESTful API, he added.
ters in Franklin, Tenn., and Wheaton, Ill., branch.
"Merchants can access our virtual terminal, recurring sub-
Innovating forward scriptions, Fluid Cart and e-invoicing solutions through a
Reflecting on the company's rapid expansion, Nick Cucci simple login," Cucci said. "Our Watchdog fraud scrubbing
said that beginning with a blank canvas and staying fo- tool is fully embedded in our API and constantly adapt-
ing and getting stronger."
cused on growth, scalability, and reliability helped the
team stay agile and responsive to emerging trends. "We Processor-agnostic model
could jump on opportunities like card-not-present cash
discounting and surcharging, incorporating the logic of Integrations are a breeze with our simple API, Cucci stat-
these programs in our API, easing the burdens and filling ed, and Fluid Pay partners can customize our entire tech-
the gaps for merchants," he said. nology platform according to their unique requirements
and business models. Our APIs work behind the scenes
Operating from the cloud and using Google Compute En- to facilitate seamless integrations with full access to our
gine, a cloud service, reduces downtime, Cucci noted, and functionality and gateway, he added.
involves millions of servers, which means payment flows
are no longer dependent on isolated data center servers. Fluid Pay is processor agnostic, does not underwrite or
Fluid Pay's redundant, hot-swappable capabilities keep handle merchant processing directly, and partner ac-
payment flows active and agile, he said. "The only limita- counts automatically fall into the company's non-compete
tions to speed are on the processor side which we can't guarantee, Cucci pointed out. "We prefer to build solid,
control," he said. long lasting relationships with our partners, and we know
trust goes a long way in this industry," he said. "We're
Expanding technology suite built to scale and have no code limitations. As we con-
Cucci recalled launching Attack Dog in 2021, a propri- tinue to grow and enhance our API functionality, we love
etary AI and machine learning solution that analyzes the opportunities to develop custom projects as well."
every transaction to compute fraud scores, helping mer-
chants control chargeback rates and stay within desired Looking ahead to Fluid Pay's near-term product road-
map, Cucci sees plenty of runway for the company and
thresholds. Attack Dog can be used as a standalone solu-
tion or in conjunction with Watchdog, Community Rules its employees and partners. "We continue to grow at a
rapid pace and are always looking for the next innovative
and other Fluid Pay services, he stated.
opportunity," he said. "We are working on some exciting
Fluid Pay is constantly enhancing its technology, Cucci projects that will change the game for payment process-
noted. Product and service offerings include card-present ing."
23