Revolutionize your customer experience: your white-label payment cards with Treezor

According to the World Payments Report 2025, digital transaction and payment volumes will reach more than 2.8 trillion by 2028 with a global annual growth rate of 15%. This indicates not only that the market is experiencing strong growth – which has accelerated considerably after the pandemic – but also that it reflects consumers’ purchasing behavior and needs.

Offering dematerialized payment solutions is therefore becoming increasingly essential for any company wishing to offer a positive, real-time and personalized customer experience.

But what if you’re not a financial services company and don’t have the in-house expertise to develop an effective, regulatory-compliant solution? This is where BaaS (Banking-as-a-Service) partners come in, offering white-label payment card solutions, among other things.

5 good reasons to choose a white-label payment card

What is a white-label payment card? It is a solution offered by Banking-as-a-Service players that, thanks to an API, allows you to directly integrate a payment card that reflects your brand image (logo, visual identity) in your application (web or mobile).

And why choose a white-label payment card? Here are 5 good reasons to do so.

Compliance and security

Using an expert partner in embedded finance and its payment API guarantees you can set up secure payment services that respect the regulations applicable in your country. For example, a BaaS partner such as Treezor offers companies tailored solutions to:

• Verify the data and identity of your partner companies and cardholders (including KYC – Know Your Customer – and KYB – Know Your Business – procedures);
• Guarantee user security (strong customer authentication required by the European PSD2 directive).

Increased credibility with your customers

By opting for a white-label payment card, you offer your customers solutions that bear your name (while relying on embedded finance specialists). Being able to customize your cards in your company colors not only strengthens your brand image, but also allows you to gain credibility with your customers, who will have more trust in your organization.

Customization of features

White–label payment cards offered by BaaS providers can be fully configured, which allows you to offer a personalized user experience and payment services 100% tailored to their needs.

Better visibility of payment transaction data

As an Agent, operating white–label payment services allows you to access payment data and better understand your users.

Saves time and money

Using a partner like Treezor allows you to expand your offering simply, quickly and economically. Indeed, the processes for obtaining a banking license and developing a payment platform can be both time-consuming and costly, while integrating a payment system into your application via an API allows you to access the market very quickly.

What features can you use to personalize your white-label payment card?

Our white–label payment cards can be personalized depending on the use case. Whether it is for business cards or – if you are a non-financial business – for employee cards, we are able to assist you. Here are the main features of our cards:

• MDC Rule Engine: payments authorized based on predefined parameters;
• Ultra-personalized payment card design;
• Card security – PIN and SCA, temporary card blocking and card cancellation;
• Expense Management – Limit and ceiling management, real-time balance access;
• Transaction Management – Merchant Whitelisting and Blacklisting;
• X-Pay – Virtual card, Apple Pay and Google Pay.

Discover our success stories !

Would you like to get a better overview of our services (issuing payment cards, SEPA transfers, setting up bank accounts, etc.)? Find out how we have supported successful businesses such as Qonto, Swile or Lydia by reading about our success stories.