Railsr vs Treezor
Railsr
railsr.comTreezor
treezor.comSide by side
| Figure | Railsr | Treezor |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 6 | 0 |
| Spec score · Banking-as-a-Service Platforms | 8.2 (#5) | 7.2 (#24) |
| API | Railsr says its APIs integrate finance capabilities into a brand's digital journey and keep Railsr behind the scenes. | Treezor's API is REST-based and accepts and returns JSON payloads. |
| Cards | Railsr offers debit, prepaid, credit and virtual card capabilities, including card production, processing, lifecycle controls and mobile-wallet support. | Treezor supports physical and virtual Mastercard or Visa card programs, with configurable card controls and limits. |
| Founded | 2016 | Treezor says it was founded in 2016. |
| Headquarters | The 2023 sale announcement says Railsr would remain headquartered in London's City. | Paris, France |
| Integrations | Railsr says its products package nearly 100 technical, commercial, operational, regulatory and financial-crime integrations behind one API and agreement. | Treezor’s card services support Apple Pay, Google Pay, and Samsung Pay. |
| Product | Railsr describes itself as a global embedded finance platform for banking, wallets and cards. | Treezor provides Banking-as-a-Service for embedding financial services through an API. |
| Sandbox | The Play Sandbox API uses fake money and is intended for writing code against a functional Railsr platform. | Treezor says a free, dedicated sandbox is available to each customer for testing. |
| Support | Existing customers are directed to log in to a service portal to raise support tickets. | 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 | Railsr provides embedded-finance infrastructure that companies integrate into their own customer journeys. | Treezor provides embedded finance and Banking-as-a-Service through APIs, covering services across the payment chain from receiving to issuing payments. |
Plans
Railsr
- LearnFree
- Live Sandbox APIFree
- Play Sandbox APIFree
- LaunchPriced on request
- PrototypePriced on request
- ScalePriced on request
In their own words
Railsr
Railsr is an embedded finance platform for companies adding financial services to digital products. Its capabilities include wallets and accounts, debit, prepaid, credit and virtual cards, money transfers and reward programmes. Railsr says its APIs place these services within a brand’s digital journey, with the platform operating behind the scenes. It packages close to 100 integrations under a single API and commercial agreement. Developers can use the Play Sandbox API, a functional coding environment that uses fake money. The platform is offered through API and web and lists fintechs, sports clubs, retailers and brands among its intended customers. A free plan and trial are listed, while other pricing is available on request. For regulated services, customers contract with PayrNet, Railsr’s wholly owned subsidiary; Railsr provides technology services. Railsr says new agents or distributors cannot be onboarded without prior written FCA consent.
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.