Column vs Treezor
Column
column.comTreezor
treezor.comSide by side
| Figure | Column | Treezor |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · Banking-as-a-Service Platforms | 7.7 (#12) | 7.2 (#24) |
| Cards | Column offers debit, credit, unsecured, charge, and secured card programs, with options to use its balance sheet or the customer’s own. | Treezor supports physical and virtual Mastercard or Visa card programs, with configurable card controls and limits. |
| Founded | 2019 | Treezor says it was founded in 2016. |
| Headquarters | San Francisco, United States | Paris, France |
| Integrations | Column says its card issuing connects to Visa and Mastercard and supports mobile wallets including Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. | Treezor’s card services support Apple Pay, Google Pay, and Samsung Pay. |
| Intended customers | The company says its infrastructure serves technology companies, U.S. banks, international banks, and real estate businesses. | Treezor describes its solutions for banks and regulated institutions, digital banking and fintech, ERP and accounting technology, employee benefits, and other sectors. |
| Security | Column says its security program follows guidance from NIST and FFIEC and is subject to governmental audits and independent third-party assessments. | Treezor lists PCI DSS and ISO 27001 among its security credentials and describes itself as an ACPR-licensed electronic money institution. |
| Support | Column’s developer documentation lists [email protected] for feedback and [email protected] for technical 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. |
| What it does | Column provides banking infrastructure and APIs for companies building financial products, including payment processing and lending platforms. | Treezor provides embedded finance and Banking-as-a-Service through APIs, covering services across the payment chain from receiving to issuing payments. |
In their own words
Column
Column is a nationally chartered bank providing banking infrastructure and APIs for companies building financial products. Its payment connections include the Federal Reserve, The Clearing House, SWIFT and card networks, for moving money in the United States and globally. APIs support checking, savings, trust, subledger, clearing and sweep accounts, including multiple account numbers for a single account. Column says its programmatically created bank accounts are FDIC-insured.
Companies can launch debit, credit, unsecured, charge or secured card programs, using their own balance sheet or Column’s. Lending offerings include credit origination, warehouse and forward flow facilities, with dedicated funding for lending programs. Column also describes support for USDC and USDT, accounts and cards for verified customers globally, and foreign-currency accounts with conversion to and from U.S. dollars. Its card issuing connects to Visa and Mastercard and supports Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Developers can use API documentation, a sandbox and payment workflow guides. Column says its security program follows NIST and FFIEC guidance and is subject to governmental audits and independent third-party assessments. Pricing is on request; prospective customers are directed to contact sales.
Treezor
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.