Revolutionize business account management with Treezor

Business accounts: definition and regulatory framework for companies offering financial services

Companies wishing to offer business accounts to their customers must ensure that they comply with the applicable regulatory framework. This involves meeting requirements in terms of anti-money laundering (AML-CFT), protecting customers’ funds and securing transactions via standards such as Strong Customer Authentication or Verification of Payee (VoP). By working with an authorized electronic money (or payment) institution such as Treezor, these companies benefit from all of these services without having to obtain a license themselves or have a payment infrastructure.

Treezor supports companies by simplifying the management of their regulatory and technical obligations and enabling them to integrate advanced financial services into their web or mobile applications.

How does Treezor facilitate the integration of business accounts?

Companies that want to add business accounts to their range of services are meeting an essential need for entrepreneurs and the self-employed: separating personal and business finances. This offers several key advantages:

Simplification of tax and accounting procedures

A dedicated business account allows your end-user customers to better track their transactions and easily justify their income and expenses, in short, to facilitate their administrative management. This separation is particularly useful when filing tax returns or in the event of an audit.

Enhanced credibility

By having a business account, entrepreneurs and the self-employed, who represent the core of your customer base, project a more reliable and serious image to their partners, suppliers and investors. This strengthens their legitimacy and can facilitate access to certain financial services, such as financing.

How does Treezor facilitate the integration of business accounts?

Cutting-edge technology benefiting entrepreneurial and self-employed customers

Treezor’s API-first architecture allows you to quickly develop and deploy innovative payment solutions. Our detailed documentation and dedicated test environments simplify integration and interoperability with your existing systems.

Our offering covers the entire business account management cycle with a wide range of key features:

Compliance, security and identity verification: Quickly identify and verify your users’ identities using secure digital processes. Our solution complies with European regulations, ensuring optimal protection of sensitive data. In addition, our PCI DSS certification ensures the security of card transactions, offering you enhanced and specific protection for your users’ payments.

Simplified account creation and management: Offer your customers instant opening of dedicated accounts with an IBAN, with real-time tracking of transactions and balances.

Issuance of documents and certificates: Simplify your customers’ lives by giving them access to all essential administrative documents, such as account statements. These documents are essential for managing legal and tax formalities.

Means of payment: Issue physical or virtual cards compatible with Apple Pay and Google Pay, manage SEPA payments and automate recurring payments.

Flow automation: Simplify payment management with automation aligned with your business rules, reducing human error and optimizing financial processes.

Advanced reporting and real-time analytics: With Treezor, data is available in real time, allowing you to build detailed dashboards and tracking tools. This enables you to accurately monitor your customers’ performance.

Treezor provides a comprehensive infrastructure, allowing businesses to create and manage business accounts without technical complexity.

Advanced payment features and tailor-made hyper-personalization

With the Card Account Selection (CAS) solution, offer flexible management of card-linked accounts. You can define the account to which the expense will be charged, either dynamically or manually, for example for the allocation of funds by project.

The Multi-Criteria Dynamic Card (MDC) feature, which is fully configurable via API, allows you to set dynamic rules for each card. You can set spending limits, transaction conditions or geographic restrictions to meet the specific needs of each customer.

In addition, you can customize cards by incorporating your own logo, colors and design. This offers your customers a unique payment experience, reinforces their professional visual identity and promotes customer loyalty.

Simplify payment management for your end users with Treezor’s bulk payment solution. Our API allows you to schedule multiple SEPA transfers all at once. This fully automated process ensures optimal reliability by verifying the validity of IBANs and files. Errors are detected without interrupting overall processing, ensuring continuous fluidity. In addition, for each payment, a webhook sends a real-time notification to your system, allowing you to instantly track the status of each transaction. This automation significantly reduces manual intervention, allowing your users to focus on higher value-added activities.

For greater control over cash flow, the scheduled transfer feature allows your customers to specify the exact date and time of execution for single or bulk SEPA transfers. It is the ideal tool for planning recurring payments (salaries, supplier payments), thereby optimizing their cash flow.

In addition to our transfer solutions, the B2B direct debit feature allows your customers to optimize their payment collection by automatically debiting funds from their business partners. This service integrates easily via our API, offering total control over cash inflows and ensuring reliable and secure transactions. This method is also used by public services, such as tax authorities, to debit funds directly from the payment account opened with Treezor.

Lastly, simplify transaction reconciliation and fund tracking with virtual IBANs. Our API allows you to instantly generate personalized virtual IBANs for each payment, supplier or customer, offering granular traceability. Fully configurable (validity period, maximum amount, number of transactions), they reduce workload and eliminate manual reconciliation.