Finperks is building the “Stripe or Adyen” for prepaid value — a white-label platform that connects brands and clients through one simple API. The company’s mission is to unify the fragmented prepaid ecosystem and make it easy for digital platforms, banks, and HR solutions to offer localized prepaid products seamlessly.
Our Core Focus
Finperks’ first focus is on challenger and digital banks operating across multiple European markets. These banks want to provide their users with access to popular local gift cards such as REWE (Germany), Carrefour (France), Esselunga (Italy), and El Corte Inglés (Spain).
Currently, banks must integrate with several local partners to enable this functionality. Finperks simplifies this process by aggregating all relevant prepaid content from local distributors and making it accessible through one unified API.
Why This Matters
Europe’s digital banking sector is growing at record speed. Over 60 million consumers globally use challenger and digital banking apps, with the European market alone expected to grow at an annual rate of 45% in the coming years.
This rapid growth creates a massive opportunity for prepaid products to become an integral part of the digital banking experience. Finperks enhances this opportunity by offering a highly attractive cashback system for users.
Benefits for Brands
This scale gives brands access to millions of young, digital-native consumers (under 35 years old). It also allows brands to run targeted promotions based on real consumer spending data — insights that only banks can provide.
Expanding into New Markets
Beyond banking, Finperks sees the next major opportunity in the HR software market. Thousands of companies issue tax-free employee gift cards each month, but the market remains fragmented between HR platforms and individual providers.
Finperks solves this by allowing HR SaaS platforms to easily enter the prepaid market through a simple plug-and-play add-on. The platform is also expanding into digital-first point-of-sale (POS) solutions, enabling merchants to sell digital prepaid products in-store using the same infrastructure.
The Technology Behind Finperks
At the core of Finperks lies the industry’s first orchestration layer for gift cards. In the payments world, orchestration means connecting to multiple payment providers and automatically routing each transaction through the fastest or most cost-efficient option. Finperks applies this principle to prepaid products — connecting to multiple distributors and brands, comparing availability, pricing, and performance across markets, and routing transactions through the most efficient channel.
Technology-Driven Approach
With over 50% of the team dedicated to product and engineering, Finperks places technology at the heart of its business. One of the biggest industry gaps has been the lack of flexibility in technical integrations and customization. Finperks bridges this gap with a modern tech stack and the latest AI-powered tools to accelerate development of SDKs, cash-register plug-ins, and bespoke integrations.
Partner With Us
Finperks is actively partnering with leading brands and local distributors who want to reach new audiences through banks, HR platforms, and digital ecosystems. If you’re interested in joining the Finperks network, please visit www.finperks.com to connect with our team.
