What if everything were easier?

Pay, collect, reconcile, decide

The B2B payment and orchestration platform that connects your banks, local payment channels (Bre-B, PSE, ACH), and ERP. Automate your entire financial cycle in real time, without manual processes or impossible month-end closes.

Innovation in the ecosystem Bre-B
Reproducir

The impact of fluX One in numbers

98.2%
Automatic reconciliation match rate in bank ledger and ERP.
< 2s
Confirmation and settlement time for instant local payment rails.
4 days
Average collection cycle length, reduced from the 59-day market standard.
0
Manual Excel files needed to reconcile accounts or schedule payouts.

Pay, collect, reconcile

Three moments of money that fluX One connects — with intelligence integrated at every step.

Disbursement

Limitless Disbursement

Thousands of payments in a single click with immediate settlement and real-time channel optimization.

  • Thousands of payments in a single click
  • Immediate settlement 24/7
  • Real-time channel optimization
Learn more →
Collection

Smart Collection Instant Rails

Accept money from any source in a single integration with automatic real-time reconciliation.

  • Instant multi-rail integration
  • Automated Reconciliation T+0
  • AI Delinquency Prediction
Learn more →
Inteligencia

Business Intelligence

Become a proactive leader. Predict delinquency and optimize cash flow with AI.

  • AI delinquency prediction
  • At-risk portfolio alerts
  • Cash flow analysis
Learn more →

A SINGLE CONNECTION, all money flowing

No matter which bank you operate with, which wallet your customer uses, or where the payment comes from — fluX One receives, processes, and reconciles it, all in real-time. Without your operation stopping.

Market needs speed, time is the new interest

With fluX, money arrives and is available instantly, no waiting, no banking hours, no limits, just flow.

T+0

Instant settlement,
funds arrive and are available

24/7

No banking hours,
no waiting for the next day

3.8B

annual TX on PSE / Bre-B

80%

of B2B value in CO

Nexa

Coming very soon

Nexa by fluX

THE SMARTEST COLLECTOR YOU HAVE EVER HAD

Nexa centralizes all your customers' recurring payments: invoices, direct debits, top-ups, and smart alerts. Fully automated, all in real-time. And when it's time to collect, Nexa doesn't send a link — it opens a conversation.

🔔

1. WHATSAPP AGENT

98% of users have WhatsApp. Nexa collects payments there. It doesn't send reminders — it manages the collection: checks balances, answers questions, and closes the payment without any human intervention. A collection via WhatsApp has 5 times more opens than email.

💳

2. AUTOMATIC DIRECT DEBIT

Cobro automático mensual vía tokenización. Prevent service cuts and secure timely collection with zero manual intervention.

3. ONE-CLICK BILL PAYMENT

Your customers see all their outstanding invoices in one place and pay with a tap. Sin entrar a múltiples portales, sin esperas, sin fricciones.

📊

4. BEHAVIOR VISIBILITY

Know what invoice each customer paid, when, and how. Detect delinquency patterns before they happen — with real-time dashboards connected to fluX BI.

What if everything were easier?

Payments that think

We don't just process — we anticipate delinquency, optimize channels, and inform decisions. That is smart payment.

Real-time execution, 24/7/365

Process payments and disbursements in seconds, regardless of the bank, day, or time. Money never stops.

Total visibility

Real-time executive dashboards. Know who paid, who didn't, and who is going to fail. Actionable information, not just reports.

End-to-end automation

From collection to accounting reconciliation. No manual tasks, no errors, no chasing invoices.

Bank-grade security

ISO 27001:2022

Comprehensive information security management

PCI DSS

Compliance for the protection of cardholder data

Regulatory compliance

We operate under compliance with top banking and financial authorities. We comply with all applicable SARLAFT and data protection regulations.

Certified data protection

ISO 27001 and PCI DSS validate our security controls. End-to-end encryption. Secure storage. Continuous audits.

24/7 Monitoring

Real-time anomaly detection. Automatic alerts. Full traceability of every transaction.

PSST...

The future of enterprise payments has arrived

Schedule a personalized 15-minute demo. We will show you how fluX integrates with your ERP and optimizes your operations from day 1.

  • Integration in days, not months.
  • Developer-grade API documentation.
  • Dedicated local support.

WHAT DO YOU NEED?