finperks is prepaid payment infrastructure. One API and one contract connect banks, fintechs, HR platforms and enterprises to 1,000+ gift card and prepaid brands across 30+ markets, replacing the four- and five-party supply chains that digital prepaid normally requires.
𝗧𝗵𝗲 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝗳𝗶𝗻𝗽𝗲𝗿𝗸𝘀 𝗿𝗲𝗺𝗼𝘃𝗲𝘀: A bank that wants to put Amazon, IKEA and Zalando gift cards inside its app today signs separately with each brand's issuing tech provider, a global distributor, and a local distributor per market. Every market adds a contract, a settlement file, a reporting format and a margin cut. Launching six European markets means six integration projects. finperks collapses that chain into a single orchestration layer: one integration, one contract, one settlement, one reporting feed, every market.
finperks maintains direct supply relationships with the leading prepaid distributors in each region.
𝗦𝗶𝘅 𝘂𝘀𝗲 𝗰𝗮𝘀𝗲𝘀: Cashback; spending curation (transaction analysis returning personalised brand recommendations); gifting (instant delivery, Apple/Google Wallet compatible); promotions (refer-a-friend paid in brand value instead of cash); issuing (own-brand gift card distributed across finperks' network); employee benefits (white-label tax-free delivery such as the German €50/month Sachbezug, no per-employee fee, ~102.6M eligible employees EU-wide, 42.3M in Germany).
𝗜𝗻𝘁𝗲𝗴𝗿𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝘆: The API is white-label: partners keep their brand, UI and customer relationship while finperks supplies catalogue, ordering, delivery, redemption and reconciliation behind it. The same team previously delivered 100+ enterprise B2B integrations at Viafintech.
𝗪𝗵𝗼 𝘂𝘀𝗲𝘀 𝗶𝘁: European banks and neobanks, payment apps, personal finance apps, HR SaaS and payroll platforms, benefit providers, telcos, insurers and retailers, etc.
