The blog

5 October 2021 Technologies

Treezor identified as leading Banking-as-a-Service “Transformer”

Treezor, leader in Banking-as-a-Service regulated in 25 countries, has been listed as a ‘Transformer’ amongst other Banking-as-a-Service (BaaS) providers in the Aperture market report about BaaS and embedded finance. The 2021 report from Swiss strategy consultancy aperture entitled ‘EMBEDDED BANKING – The Opportunity and the Providers Best Placed to Help Companies Capitalize on It’ analyzes … Continued

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3 September 2021 Technologies

Treezor establishes itself as a core banking key player for payment institutions

Shine, one of Treezor’s longtime clients registered as a payment services agent, recently announced this Fall that it has obtained its license from the ACPR (French regulator) to become a payment institution. The Fintech, which is a leader in banking services for freelancers and very small enterprises, is entering the field of regulated players. This … Continued

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10 January 2021 SEPA

List of SEPA member countries

SEPA (Single Euro Payments Area) refers to a single euro payments area, the aim of which is to harmonise means of payment (direct debit, payment, bank card) in 36 European countries and territories. SEPA was developed by the EPC (European Payment Council), which brings together European banks and their respective federations. This initiative was born … Continued

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7 June 2017 SEPA

What is Instant Payment?

Instant Payment is a new European means of payment, available to individuals and businesses from 2018 onwards, which enables instant bank transfers (approximately 10 seconds). Instant Payment is a project that has involved many European institutions since 2015, including the European Retail Payment Board (ERPB), the European Payment Council (EPC) and the European Banking Authority … Continued

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27 March 2017 Regulatory

Electronic money: everything you need to know

E-money facilitates the emergence of new payment solutions and may soon replace more expensive means of payment. The European Parliament and the Council adopted Directive 2009/110/EC of 16 September 2009 to foster the development of electronic money. This new legislation, which will be transposed into French law in 2013, puts an end to banks’ monopoly … Continued

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16 February 2017 Regulatory

KYC procedures: Client identity checks

The Know You Customer procedure is one of the measures put in place as a result of European directives. It is mandatory for banks and electronic money institutions such as Treezor. Payment supervision and responsibilities of payment service providers A licensed electronic money institution offers the possibility to store money, but also to carry out … Continued

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14 February 2017 Technologies

Contactless payment with NFC technology

Contactless payment is a fast payment method that allows you to pay for a purchase with your CB or smartphone without having to enter a secret code or signature. Thanks to NFC (Near Field Communication) technology, you can now do without traditional card readers, which required to be connected to a fixed telephone line to … Continued

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5 February 2017 SEPA

SEPA Direct Debit: SDD Core

The SDD Core Direct Debit applies to all payers and is mandatory for banks in the SEPA zone. Introduced on 1 August 2014, the SEPA Direct Debit does not pass through the bank card networks but is made from bank to bank, which reduces transaction costs. The SDD Core Direct Debit applies to all payers and … Continued

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3 February 2017 SEPA

SEPA Credit Transfer: SCT

The SCT (SEPA Credit Transfer) was launched in January 2008, with the aim of replacing national credit transfers within the SEPA zone. The transition to SEPA strengthens the single market and facilitates the development of trade in Europe. Indeed, the SEPA Credit Transfer is based on the harmonisation of money transfers in terms of pricing, … Continued

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20 January 2017 SEPA

The SEPA SDD B2B Debit

The SEPA business-to-business direct debit, also known as SEPA B2B or SDD B2B, is intended for professionals. It enables a single or regular euro invoice to be paid in euros, with no upper limit on the amount, to a creditor within the SEPA zone, and to set up a payment schedule if necessary. Since 1 … Continued

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3 January 2017 SEPA

The sepa creditor identifier

The SEPA Creditor Identifier (SCI) is necessary and mandatory for a company to collect direct debits from its creditors in the SEPA area. The SCI is a unique and unchangeable number that identifies the issuer of the direct debit. Definition of the SEPA Creditor Identifier The SEPA Creditor Identifier is a unique and mandatory reference … Continued

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28 October 2016 Technologies

The BIN sponsor role

Discover the main missions and the role played by BIN Sponsorship companies, such as Treezor, to support their customers in their payment card issuing project. What is BIN Sponsorship? On a credit card is usually 13 to 16 digits, called the PAN (Primary Account Number), which correspond to the customer’s account number. It represents a … Continued

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29 July 2016 Regulatory

The new regulatory framework for marketplaces

Marketplaces have become key players in e-commerce: wide choice of multi-brand products, competitive prices… A short reminder of the essential information and the next legal framework that will surround the online payment of Marketplaces. A sales model in full boom The Marketplace is a platform for sales, services or announcements. Its objective: to put a … Continued

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