Questions,
clearly answered

FLIQ is a modern payment platform built for the Nordics and designed for Europe. It delivers fast, intelligent, and secure payments for both individuals and businesses — without unnecessary friction.

FLIQ stands for Fast, Loyal, Intelligent, and Quality — four core values that shape how the entire platform is built and experienced.

FLIQ currently offers invoice payments (live today), with upcoming features including cross-border payments, offline payments, Gift Cards & Discount Codes, SplitPay, Cashback Rewards, in-store payments, and a seamless onboarding experience for accepting payments.

Invoice payments are already live in Sweden. All other features are currently under development, and you can join the waitlist to be among the first to gain access when they launch.

FLIQ was founded in Stockholm, Sweden, and is designed for the entire Nordic region with a long-term vision for Europe. The company behind FLIQ is Avanoro AB.

No. No credit card is required. You pay directly from your Swedish bank account — personal or business — without intermediaries.

Payments settle within seconds. The moment the recipient confirms the payment, the invoice is considered paid.

The solution is designed for everyone — from freelancers who want same-day payments, to small businesses looking to avoid payment reminders, to larger teams that want accounting records to reconcile automatically.

Yes. E-invoicing, VAT handling, and invoice archiving are managed automatically in the background in accordance with EU regulations, allowing you to focus on running your business.

Yes. FLIQ sends friendly automated reminders and only escalates when truly necessary. The system is designed to protect and preserve customer relationships.

FLIQ will launch in Sweden first and then expand across the Nordics and the rest of the EU. Additional countries will be added as the platform grows.

No. FLIQ offers fair exchange rates with no hidden intermediaries or surprise fees — payments move through a single, streamlined infrastructure.

Just one. Payments settle directly through FLIQ's payment infrastructure without requiring multiple intermediaries.

No. This feature is not live yet. You can join the waitlist to be notified when your country becomes available.

FLIQ has chosen a controlled and stable rollout strategy, starting in Sweden, ensuring quality and reliability before expanding step by step throughout the Nordics and the wider EU.

Yes. FLIQ's offline payment functionality allows payments to be initiated even without a signal — whether you're on a train, in a basement venue, or in an area with no coverage at all.

The transaction is securely recorded on the device and completed automatically as soon as connectivity returns. The payment experience remains seamless, even when you're offline.

Yes. Every offline transaction is designed to be fully compliant and traceable, just like a standard online payment.

No. Offline payments are linked to your bank account, not credit, making them accessible to anyone with a bank account.

No. The feature is currently under development. Join the waitlist to be notified when offline payments become available.

FLIQ Gift Cards are digital gifts that recipients can easily receive, save, and redeem with any merchant that accepts FLIQ — online or in-store.

Gift Cards can be sent instantly through FLIQ and are designed to be a simple and thoughtful digital gift.

Gift Cards can be redeemed with any merchant that accepts FLIQ, both online and in physical locations.

Businesses can reach new audiences and turn their brand into a giftable asset without additional effort. Gift Cards are available within the FLIQ ecosystem and are ready to be sent and redeemed.

No. This feature is coming soon. Join the waitlist to gain access when it launches.

SplitPay is a feature that allows you to split a bill in seconds — either evenly among everyone or based on what each person ordered — directly from the FLIQ app.

Yes. You can split the bill equally (calculated automatically by FLIQ) or assign individual items to specific people if you prefer to split based on what each person ate or drank.

Yes. Each share is connected to the original receipt, ensuring that refunds and disputes are automatically handled for the correct person.

No. SplitPay handles all calculations automatically, eliminating awkward math at the table.

No. The feature is currently under development. You can join the FLIQ waitlist to be among the first to try it when it launches.

FLIQ's Cashback Rewards program gives you honest cashback on your purchases — a clear percentage back on the things you already buy, without complicated tiers, gimmicks, or fine print.

No. Earned rewards are credited directly to your balance and can be spent whenever and wherever you choose. It's your money, not restricted points.

No. Your cashback never expires and never disappears. FLIQ won't pressure you to spend it — it stays there until you decide to use it.

No. FLIQ is committed to transparency. There is no fine print, no manipulative mechanics, and no unnecessary conditions — just straightforward cashback.

No. The feature is currently under development. Join the waitlist to be notified when it launches.

You can accept payments directly through the FLIQ app on your phone or through traditional card terminals — giving you the flexibility to choose what works best for your business.

Yes. The solution is designed for businesses of all sizes — from salons to food trucks. In many cases, your phone can act as your payment terminal.

Digital receipts are automatically delivered to the customer, while refunds and returns are automatically linked to the original receipt.

Yes. FLIQ supports contactless payments through the app, making transactions simple for both merchants and customers.

No. This feature is coming soon. Join the waitlist to be notified when in-store payments become available.

Onboarding takes only a few minutes, and most businesses are up and running in under ten minutes. The process is designed as a streamlined flow that only asks for information required by regulators.

Yes. Identity verification, ownership verification, and AML compliance are handled automatically in the background by FLIQ. You see a simple onboarding experience while the rest is taken care of behind the scenes.

No. The onboarding process is completely digital and paperless — from your first sale to your first payout.

Standard payouts are processed the next business day. Real-time payouts are available for businesses that need immediate access to funds.

This feature is currently under development. Join the waitlist and FLIQ will notify you when onboarding for payment acceptance becomes available.