Paynetics Card Issuing vs Treezor

Paynetics Card Issuing provides configurable card programs for businesses and their partners. Its range includes physical, virtual, digitized prepaid, debit, credit, and business cards from Visa and Mastercard. Partners can customize card designs and configure rules, limits, controls, hierarchies, products, and pricing levels. Cards can be linked to dedicated IBAN accounts or integrated into an eWallet. The API platform supports digital onboarding and data exchange for compliance, risk analysis, and monitoring; its integration channel includes a REST API for accounts, issuing, transfers, and onboarding, plus a partner portal. Developer resources include APIs, SDKs, sandbox tools, and live operational status. Paynetics supports Apple Pay on iOS and an Android tokenisation solution based on Mastercard’s MDES protocol. A PCI-compliant SDK supports secure card-data display without partners storing or processing sensitive details. Physical card orders require at least 1,000 units, and manufacturing typically takes around two months. Pricing is on request.

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.