A process for the production of fluid fertilizers (suspensions and/or solution type) made from merchant-grade phosphoric acid (50-58 percent P2O5), sulfuric acid, liquid anhydrous ammonia, and water, wherein liquid ammonia is heated in heat exchange means juxtaposed hot fertilizer product to form gaseous ammonia, which gaseous ammonia, along with phosphoric acid and sulfuric acid, is fed to a pipe-cross reactor wherein a melt of ammonium polyphosphate sulfate is formed, which melt is subsequently mixed with cooled recycled product to produce a fluid fertilizer with N:P2O5 weight ratios ranging from about 0.3 to 1, which contains from about 10 to 60 percent of its P2O5 values in the form of polyphosphates and 3 to 8 percent by weight sulfur. About 45 percent of the P2O5 as polyphosphate is easily attainable in the product with ambient acid feed temperatures, i.e., about 50 DEG F. to 100 DEG F., versus prior-art teachings of only about 15 percent poly formation with preheat of the feed acids. It is a solution when it is produced, and when diluted with 10 percent by weight water, it can be stored at 40 DEG F. without the formation of troublesome crystals. When gelling clay is added, it stores well as a suspension and remains fluid at temperatures as low as -25 DEG F.