Become a SEPA Indirect Participant

With our Bank Hub offer, Treezor will support you during your relationship with the SEPA leader, member and representative of the Market System, to simplify obtaining the status of Indirect Participant.

You can either connect directly to the bank, or take advantage of Treezor’s existing connection to benefit from simplified API integration. Whatever integration you choose, your dedicated BIC will be used to generate IBANs on your payment accounts.

SEPA Processing

By relying on the API, the Treezor platform processes all SEPA transactions (batch file) and all instant transfers (unit payment) whether issued or received. Treezor respects the French banking calendar for instant payments, SCT Inst. and gives access to the best price to use this payment method. Institutions can access all SEPA payment methods (SCT, SDD Core, SDD B2B) and benefit from the best prices for each of their transactions.

BIN Sponsorship

You can subscribe to this service independently of SEPA services and card processing. Treezor is a Principal Member of the card scheme and can issue all types of cards (Prepaid, Debit, Credit), in accordance with Treezor’s licenses or the Payment Institution. Several levels of integration (Affiliate, Program Manager) are possible depending on the volume and schedule of the project. Treezor is responsible for reporting to the scheme and manages charge-back procedures. A specific back office is also made available to allow daily monitoring of card activity and financial transaction flows.

Card Issuing

Treezor is generally the issuer of virtual cards and/or plastic, personalized or co-branded cards distributed by the affiliated institution. For printing cards, the choice of printer is open according to the list of partners referenced by Treezor. These cards issued by Treezor can be compatible with Apple Pay, Google Pay and Samsung Pay wallet technologies. Treezor can issue cards that work on different profiles, either with systematic authorization or online prefered (which include offline).

External authorization 

With Treezor, you also have the possibility of receiving an external authorization request to validate or refuse a transaction of a card issued through our e-money issuer license. Treezor remains in charge of the various controls, but thus gives you the ability to intervene in the card payment decision chain, to meet your specific requirements (products or customers).

Treezor offers you a card lifecycle and transaction management system that allows for flexible configurating. For the implementation of your own management rules, you can use Treezor’s configuration solution, based on the card transaction data reported by the acceptance networks, or our external authorization system allowing you to apply your business rules.

Card Processing

For card processing, several solutions are possible thanks to the flexibility of our technology and the international card scheme selected (Mastercard / Visa):

  • The Treezor platform can manage the processing and authorization of transactions
  • The Treezor platform can manage processing and delegate the authorization of transactions
  • The affiliated establishment can connect directly to the issuing processor of its choice and manage the authorization of transactions
Right from the beginning, the fintech used Treezor’s solutions: banking licence, core banking, payment cards and technology. Shine now has more than 100,000 customers. Today more than ever, Treezor is a Provider of Outsourced Essential Services (PSEE in French) for our business. Today, this is a significant challenge for both of us and Treezor’s teams are currently upgrading their information systems to better meet the needs of Shine and other regulated institutions.

Arnaud Schwartz, COO of Shine

shine treezor

In 2021, Shine obtained authorization from the French regulator (Autorité de Contrôle Prudentiel et de Résolution – ACPR) to become a Payment Institution, thanks to the joint work done with Treezor. The result of this collaboration represents a major step in Shine’s growth, enabling the brand to develop faster and go further. Thanks to Treezor’s offer designed especially for Payment Institutions (PI), Shine now uses core banking features via API. Treezor remains Shine’s main technology partner and the issuer of its payment cards.

Discover Shine’s success story

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