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I.B.E. GmbH and Treezor Announce Strategic Partnership for Innovative Non-Cash Compensation in Germany

Munich, Germany – April 14, 2026 – Treezor, the European leader in Embedded Finance, and I.B.E. Institut für betriebliches Entgeltmanagement GmbH, a leading all-in-one provider of benefits solutions, today announced the cooperation for I.B.E. Primecard on the German market. The partnership will enable I.B.E. to operate its long-established non-cash compensation solution (I.B.E. Primecard) on Treezor’s infrastructure. This cooperation leverages I.B.E. GmbH’s newly granted Payment Agent status by the ACPR, enabling the company to offer its more than 2,600 corporate clients in the German market an unprecedented level of security and compliance.

A Foundation of Trust and Banking-Grade Security

In the rigorous German financial landscape, I.B.E. GmbH’s absolute priority is the protection of client funds. By leveraging Treezor’s infrastructure, I.B.E. Primecard ensures that all customer funds are safeguarded (ring-fenced) with one of the Eurozone’s leading banking institutions. I.B.E. GmbH’s regulated status as a payment agent, supervised by the ACPR (the French banking supervisory authority), combined with Treezor’s PCI DSS certification, provides German SMEs with full regulatory peace of mind and seamless integration through Treezor’s modular platform.

“Transitioning to Treezor’s BaaS infrastructure marks a pivotal moment for I.B.E. Primecard,” states Thomas Huber, CEO of I.B.E. GmbH. “With more than 2,600 companies relying on our services, reliability and scalability were our top priorities. Treezor’s technical excellence allows us to focus on our core mission: providing premium, tax-optimized benefits to our corporate clients with total peace of mind. The partnership with Treezor enables I.B.E. to further develop its established non-cash compensation solution on a modern, scalable embedded finance infrastructure.”

MDC Technology: Automating Tax Compliance

The market for tax-optimized employee benefits in Germany has continued to grow strongly in recent years. The number of benefits listed in German job postings nearly tripled between 2019 and 2024; the trend is similar for non-wage benefits, which nearly doubled (Bertelsmann Stiftung 2025). Managing tax-exempt benefits in kind (Sachbezug) is, however, a significant operational challenge for companies in Germany. Employers must comply with statutory exemption limits and conditions for specific employee benefits so that employers can provide these benefits to their employees free of social security contributions and taxes. With the I.B.E. Primecard, I.B.E. GmbH enables its customers to manage these benefits entirely digitally. The I.B.E. Primecard utilizes Treezor’s Multi-criteria Dynamic Card (MDC) rules engine to automate and ensure this compliance at the transaction level:

Granular Control: Each transaction is validated in real-time based on geographic criteria (e.g., specific postal codes) or merchant categories.
Built-in Security: Cash withdrawals and transfers are natively blocked, ensuring strict adherence to local fiscal regulations without requiring manual oversight from the employer.

Hyper-Personalization at Scale with payment cards

Beyond technical compliance, I.B.E. GmbH leverages Treezor’s advanced personalization offering to transform every payment card into a powerful marketing tool for its clients. This dedicated service allows I.B.E. to issue physical cards fully branded for each of its partner companies. This ability to industrialize “tailor-made” solutions enables I.B.E. Primecard’s clients to strengthen their employee engagement and brand identity with every purchase.

“This partnership with I.B.E. GmbH highlights Treezor’s commitment to supporting the unique regulatory and functional requirements of the German market,” says Cédric Cassini, CCO of Treezor. “By providing a robust, scalable infrastructure, we are enabling our partners to deploy complex Embedded Finance use cases across Europe, thereby proving that technology is key to reconciling innovation with compliance.”

About Treezor : www.treezor.com

Founded in 2016, Treezor is a Fintech regulated by the ACPR (French regulator) and passported in 25 countries as an electronic money institution. Treezor is also a principal member of international card networks, such as Mastercard. Acquired in 2019 by Société Générale group, Treezor is the European leader in Banking as a Service (BaaS) with over €130 billion flows processed and +8 million cards issued, as well as an active presence in France, Germany, Benelux, Italy, and the Iberian Peninsula. Its Embedded Finance solution allows businesses to integrate white-label payment services into their offering via highly intuitive APIs (from acquisition to issuance). Treezor also provides regulatory expertise (KYC, AML/CFT…) and security to its clients and positions itself as an enabler for unregulated companies or licensed institutions. Treezor has earned the nickname “Unicorn farmer,” having accompanied the emergence of numerous European payment unicorns.

Press contact: Omnicom PR Group – france.treezor@omnicomprgroup.com – 06.02.12.60.69

About I.B.E. Institut für betriebliches Entgeltmanagement GmbH: www.institut-be.de

I.B.E. Institut für betriebliches Entgeltmanagement GmbH, headquartered in Munich, is a leading provider of solutions for tax-optimized employee benefits and non-cash compensation systems in Germany. For over ten years, the company has been helping employers efficiently and digitally implement tax-free and social security-optimized employee benefits. With the I.B.E. Primecard, the company offers a well-established solution for managing non-cash benefits that is already used by over 2,600 companies in Germany.