Treezor, the innovation accelerator for your payment services

As a pioneer and recognized player in Banking-as-a-Service (BaaS), Treezor provides you with the technological power and agility you need to achieve your ambitions in embedded finance while helping you navigate regulatory requirements. Our mission: to enable you to transform your ideas into high-performance, secure and personalized payment services for your customers. 

Advanced technology for maximum agility

Create, launch and scale your payment offerings with flexibility, thanks to an infrastructure designed to support your growth.

API-first and modular platform designed for developers: At the heart of our solution, our robust API is designed to facilitate integration with your tools. Detailed and constantly updated technical documentation provides a clear overview of all available web services. Accompanied by a dedicated sandbox for easy testing of your developments, our API helps significantly reduce your time to market.

Cloud-native scalability and high availability: Our cloud-native platform, fully hosted on AWS (Amazon Web Services), and our serverless infrastructure dynamically adapt to instantly respond to variations in transaction volumes, efficiently absorbing your activity peaks. The elasticity of this infrastructure enables automated scaling, aiming not only for high performance and fast response times for your end users. To offer high resilience, our infrastructure is spread across several geographic regions and AWS availability zones, which is essential to ensure permanent continuity of service.

Technological expertise and advanced customization: Treezor relies on its own core banking system developed in-house, which gives us in-depth knowledge of our technical environments. This strategic advantage gives us significant autonomy and flexibility to constantly enhance our platform by deploying new features tailored to your use cases. To meet your technical and regulatory needs, Treezor offers different models for accessing its services: a No Code solution for quick and direct launch, an API solution in a shared environment under our license or an API solution in a dedicated environment under your license.

Security and Compliance: The Essential Pillars of Trust

Operate with greater confidence. Data protection, transaction security and regulatory compliance are at the heart of our design and operations.

Dynamic Compliance and Support: As an authorized and supervised Electronic Money Institution, Treezor integrates the latest European and national regulatory requirements and monitors their evolution. We work with the goal of providing you with a compliant and innovative platform.

Certified Security and Multi-Layered Approach: Our PCI DSS (Payment Card Industry Data Security Standard) Level 1 certification attests to the robustness of our information systems and the rigor of our control processes. It is a guarantee of our commitment to payment data security and advanced fraud protection. Encryption of sensitive information at rest and in transit, strong multi-factor authentication (MFA) and detection of suspicious activity are integral to our approach to securing transactions and preventing risks. Personal data security is also paramount, with advanced protection strategies and enhanced governance to ensure that the information processed complies with strict confidentiality requirements.

Innovation to support your specific and differentiating use cases

Stand out in your market with integrated payment features that deliver a practical response to your customers’ expectations, backed by our innovation.

Smart and Highly Customizable Cards:

• Card Account Selection (CAS): Offer your users the ability to dynamically choose which accounts to link to their card. This feature provides new flexibility that is particularly useful for business or household financial management.
• Multi-Criteria Dynamic Cards (MDC): Benefit from cutting-edge dynamic card limit management, allowing you to set custom rules (limits, geographic restrictions, merchant type restrictions) to meet specific payment needs in accordance with regulations or your internal procedures.
• International Expansion and Simplified Payments: Facilitate your international operations and development. Our local IBANs (available in Germany, Italy and Spain, among other countries) enable seamless payment processes. They help reduce discrimination related to the use of foreign IBANs, promoting greater acceptance of local payments in each country concerned.

A comprehensive services ecosystem:

• Wide Range of Features for Many Needs: Our modular platform offers a wide range of services: digitization of KYC (Know Your Customer) and KYB (Know Your Business) processes, creation and management of payment accounts, execution of SEPA transfers (SCT, SCT Inst), direct debit management (SDD Core, B2B), issuance and management of the entire lifecycle of payment cards (physical, virtual, tokenized).
• Proven Industry Adaptability: Our flexible technology solutions are designed for a wide range of players and business models: disruptive fintechs, large companies looking to facilitate subscription to their offerings or optimize the customer experience, employee benefits specialists, collaborative economy platforms, financial education providers and digital banks and regulated institutions.
• Centralized and intuitive management – the Treezor Dashboard: Beyond the power of our APIs, the Treezor Dashboard has been designed to provide your operational teams with a comprehensive and clear management interface: transaction tracking, payment order management, accounting reconciliation assistance, user notifications, account statement generation, consistency and compliance checks, KYC/KYB file analysis and management, and more.

Ready to redefine payment services with us?

At Treezor, technology is fundamental to our approach and a lever for your success. Every aspect of our robust BaaS solution is designed to deliver tangible value by addressing current and future challenges in the payments industry.