Treezor
treezor.com
What it is
Treezor provides Banking-as-a-Service for businesses embedding financial services through APIs. Its services cover payment accounts and wallets with virtual and local IBANs, core banking, KYC/KYB, card issuing and processing, acquiring, and SEPA and international payments. Businesses can offer physical or virtual Visa and Mastercard cards linked to accounts, with configurable controls and limits. The REST API exchanges JSON and requires HTTPS requests with a JSON Web Token in the Authorization header. Each customer can use a dedicated sandbox for testing, while dashboards support team onboarding and operations monitoring. Card services work with Apple Pay, Google Pay, and Samsung Pay. Authentication options include WebNative for browsers and mobile devices, native iOS and Android SDKs, and bridges for React Native, Flutter, and Capacitor. Treezor says it is an ACPR-authorized electronic money institution with authorization to operate in 25 countries. Its supported regions include Belgium, France, Germany, Italy, Luxembourg, Spain, and The Netherlands. Pricing is on request.
Spec sheet
- What it does
- Treezor provides embedded finance and Banking-as-a-Service through APIs, covering services across the payment chain from receiving to issuing payments.Read 9 Oct 2026 · treezor.com
- Product
- Treezor provides Banking-as-a-Service for embedding financial services through an API.Read 9 Oct 2026 · treezor.com
- API
- Treezor's API is REST-based and accepts and returns JSON payloads.Read 9 Oct 2026 · docs.treezor.com
- Integrations
- Treezor’s card services support Apple Pay, Google Pay, and Samsung Pay.Read 9 Oct 2026 · treezor.com
- Security
- Treezor lists PCI DSS and ISO 27001 among its security credentials and describes itself as an ACPR-licensed electronic money institution.Read 9 Oct 2026 · treezor.com
- Support
- For questions about a Treezor-powered payment account, card, or IBAN, customers are directed to contact the company where they opened the account first.Read 9 Oct 2026 · treezor.com
- Headquarters
- Paris, FranceRead 28 Sep 2026 · treezor.com
- Founded
- Treezor says it was founded in 2016.Read 9 Oct 2026 · treezor.com
- Account services
- Its services include payment accounts and wallets, with virtual and local IBANs.Read 9 Oct 2026 · docs.treezor.com
- API and sandbox
- Treezor exposes its features through a REST API and offers each customer a free dedicated sandbox for testing.Read 9 Oct 2026 · treezor.com
- Authentication
- Treezor's API documentation says every API call must use HTTPS and include a JSON Web Token in the Authorization header.Read 9 Oct 2026 · docs.treezor.com
- Card acquiring
- Card acquiring uses HiPay as the payment service provider and is not enabled by default; customers must contact Treezor to activate it.Read 9 Oct 2026 · docs.treezor.com
- Card issuing
- Treezor supports physical and virtual Visa or Mastercard programs linked to accounts, with configurable card controls and limits.Read 9 Oct 2026 · treezor.com
- Card program setup
- Issuing cards requires a card program to be set up with Treezor, with assistance from its account and implementation managers.Read 9 Oct 2026 · docs.treezor.com
- Cards
- Treezor supports physical and virtual Mastercard or Visa card programs, with configurable card controls and limits.Read 9 Oct 2026 · treezor.com
- Dashboard
- Treezor documentation describes a dedicated dashboard for onboarding teams and a customizable dashboard for monitoring operations.Read 9 Oct 2026 · docs.treezor.com
- Intended customers
- Treezor describes its solutions for banks and regulated institutions, digital banking and fintech, ERP and accounting technology, employee benefits, and other sectors.Read 9 Oct 2026 · treezor.com
- Offering types
- Treezor presents BaaS, PaaS, CaaS, and SaaS offerings, including a secure web dashboard for managing payments.Read 9 Oct 2026 · treezor.com
- Payments and compliance
- Its core banking services include payment acquisition and issuance, third-party collection, and KYC.Read 9 Oct 2026 · treezor.com
- Regulatory reach
- Treezor says its European passporting license allows it to provide services in 25 countries.Read 9 Oct 2026 · treezor.com
- Regulatory status
- Treezor says it is an ACPR-authorized electronic money institution with authorization to operate in 25 countries.Read 9 Oct 2026 · treezor.com
- Sandbox
- Treezor says a free, dedicated sandbox is available to each customer for testing.Read 9 Oct 2026 · treezor.com
- Services
- Its services include core banking, KYC/KYB, card issuing and processing, acquiring, and SEPA and international payments.Read 9 Oct 2026 · treezor.com
- Strong authentication
- Treezor offers WebNative authentication for browsers and mobile devices, plus native iOS and Android SDKs and bridges for React Native, Flutter, and Capacitor.Read 9 Oct 2026 · treezor.com
Strong points and limits
Strong points
- Payment accounts include virtual and local IBANs.
- Physical and virtual Visa or Mastercard programs are supported.
- Each customer gets a dedicated testing sandbox.
- Card services support Apple Pay, Google Pay, and Samsung Pay.
Limits
- Pricing is available on request.
- Card acquiring is not enabled by default.
- Using the API requires HTTPS and a JSON Web Token.
Who it suits
Treezor is aimed at fintechs, regulated institutions, and corporates seeking a white-label financial-services platform. Businesses setting up card programs need to arrange them with Treezor and its account and implementation managers.
Verdict
Treezor covers accounts, payments, compliance, and card programs through a REST API, with web and mobile authentication options. Prospective customers should confirm pricing and whether they need to activate acquiring or arrange a card program.
Where Specifiction places it
- Banking-as-a-Service Platforms#24 of 317.2
