The travel and tourism sector is driven by a growing demand for fluidity and personalization. Whether it’s online travel agencies (OTAs) or corporate travel management companies (TMCs), the ability to orchestrate complex, often international, transactions has become a major competitive advantage.
The global market confirms this unprecedented growth dynamic: after reaching a historic milestone of $10.9 trillion in revenue in 2024, the sector is continuing to expand. The business travel segment alone is expected to double by 2032, reaching $2.765 trillion. However, rigid traditional models are now reaching their limits in the face of today’s complex flows.
Thanks to its fully API-based Banking-as-a-Service (BaaS) platform, Treezor is responding to these technological and regulatory challenges. Our platform enables tourism and business travel players to integrate tailor-made financial services at every stage of the journey, transforming operational management into a seamless user experience.
Simplification of supplier payments and flows
Managing payments to service providers (hotels, airlines, rental companies) requires security and speed. Treezor digitizes these processes to optimize your cash flow and compliance.
Project challenges |
Treezor solutions |
Benefits for you |
| Complexity of service provider payments |
Issuance of single-use or limited-use virtual cards via API for each reservation. |
Enhanced security against fraud and optimized working capital management (WCM) by paying at the time of booking. |
| Protection of customer funds |
Allocation of dedicated IBANs to segregate and ring-fence funds received from travelers. |
Response to regulatory compliance issues (protection of third-party funds) and simplification of accounting reconciliation. |
| Costly international transactions |
Account management and execution of transfers in euros via SEPA networks and in foreign currencies via SWIFT or local networks. |
Streamlines payments to foreign suppliers and reduces friction related to foreign exchange fees. |
Revolutionizing mobility and business expenses
For business travelers and sales representatives, Treezor transforms the payment method into a real-time management and control tool.
Project challenges |
Treezor solutions |
Benefits for you |
| Expense advances and expense claim management |
Issuance of white-label corporate payment cards (physical/virtual) for users. |
Elimination of manual tasks: centralization of expenses on controlled accounts and elimination of cash advances. |
| Overspending and budget non-compliance |
Configurable authorization rules engine (MDC) (amounts, days, categories, geographic area). |
Strict budget control: expenses are limited in real time to authorized merchants and services. |
Revenue growth with embedded finance
Partnering with Treezor enables travel and TravelTech players to transform payment management, once a cost center, into a real lever of differentiation and revenue:
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Compliance and security: Data security and compliance (KYC/KYB, AML/CFT) are overseen by Treezor, a company regulated by the ACPR and supported by the Societe Generale group.
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Unique and modular platform (API-First): Integrate only the necessary components of the entire value chain (Accounts, Issuance, Acquisition, KYC) via a single API and a single contract.
Payment monetization: Generate new sources of recurring revenue through interchange fees and financial service charges. Treezor allows tourism and travel players to maintain complete control over their customer experience while outsourcing the technical complexity.
