Digital banking, a white-label solution for regulated institutions
Treezor provides a specific offer designed for banks and authorized institutions (PI / EMI) to enable them to create their own European digital bank using Treezor’s APIs. Depending on the technical options chosen and the distribution of roles agreed between Treezor and the bank, it is possible to use Treezor’s multi-bank core banking or yours. Treezor also offers KYC services depending on the capabilities and skills of the regulated institution.
Contact our teamWith 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.
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.
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.
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).
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.
For card processing, several solutions are possible thanks to the flexibility of our technology and the international card scheme selected (Mastercard / Visa):
Arnaud Schwartz, COO of Shine
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.
With Treezor:
Treezor is authorized to provide payment services in 25 countries and the company is located in several countries in Europe, including Germany, Spain, France and Italy. By relying on Treezor’s license, client companies of the platform can simply and quickly passport their activity in Europe, benefiting from the status of payment service agent or electronic money distributor.
Treezor, the embedded finance solution serving European businesses.
"*" indicates required fields
