The integration of financial services into human resources management software (HR Tech) is profoundly redefining the role of the HR function. Far from being confined to administrative tasks, it is becoming a powerful strategic lever for strengthening engagement, creating value and developing new revenue streams.
The global HR technology market illustrates this dynamic: estimated at $42.5 billion in 2025, it is expected to reach $76.4 billion by 2030, with an annual growth rate of 12.8%. This growth is largely driven by the digitization of employee benefits and the improvement of the employee experience.
In this context, SaaS platforms dedicated to HR management, payroll and employee benefits are finding that embedded finance offers an opportunity to simplify employees’ daily lives by centralizing services in a single application. Treezor is positioning itself as an essential strategic partner in this transformation. Thanks to its 100% API Banking-as-a-Service (BaaS) platform, Treezor enables HR Tech players to rapidly become providers of personalized and seamlessly-integrated payment services, paving the way for a new generation of high value-added HR solutions.
There are three main use cases that offer payment services in HR software.
Payroll and salary advance management
Integrating payment APIs into HR platforms simplifies financial flow management for companies, such as employee payroll, by centralizing payments from a single interface, while also offering greater transparency on transaction status.
Project challenges |
Treezor solutions |
Benefits for you |
| Meeting employees’ immediate cash flow needs |
Use SEPA transfer and instant transfer APIs to pay salaries and advances. |
Improving employees’ financial well-being and retaining talent through a direct employee benefit. |
| Managing Freelancers |
Payment accounts and instant transfers for freelancers and gig workers. |
Retain freelance partners with fast and reliable payments. |
Management of business expenses
Another easily addressable use case by leveraging Treezor’s payment platform to streamline and accelerate the management of business expense reimbursements. Either the employee advances an expense with their personal bank card and submits a reimbursement request via the app, which can be validated instantly, or a personalized payment card can be issued to each eligible employee, allowing them to pay all their expenses with this card issued from the HR software.
Employee benefits management
All HR software with an established customer base can also offer payment cards that centralize the management of employee benefits: meal vouchers, gift vouchers (birth, Christmas, etc.), culture, sports or vacation vouchers, Universal Service Employment Checks (CESU), sustainable mobility packages, benefits in kind, etc.
Project challenges |
Treezor solutions |
Benefits for you |
| Complex paper management |
Issuance of customizable payment cards (physical or virtual) compatible with Apple Pay and Google Pay. |
Unified experience: employees use a single card for their meal vouchers, gift cards or mobility budgets. |
| Non-compliant use |
Authorization rules engine (MDC) to filter merchants (by user ID) and cap spending. |
Automated compliance with regulatory frameworks (e.g., daily limit on meal vouchers). |
| Management of budgets and works council subsidies. |
Account creation by benefit with a specific balance. |
Compliance and traceability of expenses, ensuring proper use of expenses in accordance with regulations (e.g., URSSAF) and rules defined by the company. |
Next-generation corporate expense and payroll management
The integration of payment tools into HR/payroll platforms simplifies companies’ daily financial flows and improves the financial well-being of employees.
Project challenges |
Treezor solutions |
Benefits for you |
| Friction with expense reports |
Issuance of white-label corporate cards for employees, backed by a dedicated payment account. |
Offers employees an instant and controlled means of payment, with no impact on their personal funds. |
| Need for HR responsiveness |
Use of webhooks to notify managers and HR departments of each transaction. |
Automation of expense control and real-time view of the company’s cash flow. |
Treezor: A strategic lever for engagement and growth
By integrating financial services into their solution, HR Tech publishers are moving from being an administrative management tool to a strategic financial partner for the company:
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New growth drivers: Enhance your solution by generating recurring revenue from financial services.
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Integrated solution: Access all the necessary building blocks (accounts, cards, SEPA payments, KYC) via a single, modular entry point.
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Employee engagement: Offer high value-added services that enhance the attractiveness of the employer brand and make employees’ daily lives easier.
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Compliance support: Conduct your transactions securely by relying on the compliance expertise of Treezor, an electronic money institution approved by the ACPR.
