Industries / Brands
One agreement.Hundreds of channels.
Put your gift cards inside Europe’s fastest-growing digital channels: banking apps, fintechs, HR platforms and AI agents. We handle compliance, settlement and integration for you.
The market shift
Gift card distribution has moved beyond legacy networks.
The old model was built for retail racks and country-by-country partnerships. finperks is built for the apps where your next customers already spend, save and bank.
ThenA rack, one store at a time
NowAn app, a whole market at once
European scale
Traditional distributors usually operate market by market, limiting how quickly brands can expand. finperks gives brands pan-European digital distribution through one platform.
From racks to apps
The old model depended on physical racks and offline sales points. finperks brings gift cards into the apps where customers already spend, save, bank, earn rewards and shop.
Compliance built in
Legacy distribution leaves brands managing fragmented rules, approvals, settlements and operational risk. finperks builds compliance, control, fraud monitoring and settlement into distribution from day one.
Distribution channels
One agreement. Hundreds of channels.
You sign one gift card distribution agreement with finperks, tailored to your brand. We do the rest. Your cards go live in the fastest-growing digital categories in Europe.
Terms
Tailored to you: your commission, your markets and a setup that fits your systems, with or without a product API.
Channels
- Fintech apps
- Agentic commerce
- HR and benefits platforms
- Neobanks and traditional banks
Approval
Per partner and per market, by you. No partner goes live without your sign-off.
Live in 30+ markets
Consumers discover your cards inside the apps they already use for payments, personal finance and cashback, with a high purchase frequency.
Gift cards are structurally the cleanest answer for agents: pre-funded, brand-scoped, no stored credentials, no chargeback exposure.
Germany’s Sachbezug rules let employers give every employee a €50 tax-free benefit each month. Your cards become an option employees pick.
Banks integrate gift card purchasing and cashback offers directly into their mobile banking apps.
In production
Live with Europe’s leading brands.
Zalando and FlixBus reach new customer segments through finperks.
“What finperks offers is access to new, high-value distribution channels that are typically hard to tap into directly, like banking apps, corporate benefit platforms, or innovative fintech solutions.”
“We are now reaching a new type of users who are typically younger, very digital, and very comfortable with spending online.”
Fewer layers
Fewer layers between your brand and new customers.
Gift card supply has traditionally passed through layers of issuers and distributors, each taking a cut and adding a contract. With finperks, you sign once and approve every partner yourself.
- 1
We handle the integration
finperks takes care of the API integration, compliance per country, settlement, fraud monitoring and partner onboarding.
- 2
Live across Europe
Your cards become available across 30+ European markets in fintechs, banks and HR platforms, and in consumer channels.
- 3
You decide where your brand shows up
We do brand approval per client, so you sign off on every distribution partner before they go live.
Want to see where your cards could go live?
Tell us your brand and markets, and we’ll show you the channels and partners that fit.
Subsidized buying
Distribution partners invest in selling your brand.
Your card always sells at full face value. You pay a commission on each sale: finperks keeps a share and passes the rest to the partner, who may use it to reward customers with bonus points or cashback. The result for you: more digital sales, higher purchase frequency and returning customers.
- 01A customer buysYour €50 gift card at its full face value, not at a discounted price.€50.00
- 02Your brand pays a commissionThe rate is agreed with you and paid on top of the gift card’s face value.
- 03The commission is sharedfinperks retains a small portion and passes the rest to the partner. Our partners often use their share to reward the customer, basically, investing in your brand!
We agree the commission rate and distribution terms with your team, tailoring them to how your brand operates rather than applying a standard arrangement.
Bonus rates are set by each partner and vary by program.
User experience
Visibility built in for your brand.
Every step of the redemption journey is as clear and intuitive as possible for your customers.
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How it works
Save card
Processing
Already have partners? Run them through finperks.
Distribution and processing run on the same system. One adds new channels, the other runs the partners you already have.
Distribution
Reach new partners.
Your gift cards reach new channels across Europe through the finperks network, on one agreement.
Processing
Keep the partners you have.
The partners you already work with order, receive and report through finperks. Your relationships stay as they are.
In both
finperks runs everything behind each partner.
- OnboardingEach partner, in every market you sell in.
- OrderingAPI, SFTP, B2B portal or bulk orders.
- PricingPrices and campaigns per partner.
- BillingWith orders and volumes per partner in real time.
- DeliveryURL, PDF, code or Apple / Google Wallet.
Settlement runs through finperks or directly between you and your partners.
Modules you can switch on
FAQ
What brands ask before signing.
Does finperks compete with our existing distributors?
No. finperks works one layer above distributors and with them. Partner platforms reach your cards through finperks, and your existing distribution stays as it is.
What does it cost us?
A commission on each card sold, agreed with you in your agreement. finperks keeps a share and passes the rest to the distribution partner. There is no setup fee and no new technology to build.
Who decides where our cards appear?
You do. We request approval per partner and per market, and your cards go live with a partner only after you sign off.
Agency or resale?
We prefer the agency model: commission only, with finperks acting as the intermediary. The resale model is possible where it suits you better.
How long does it take to go live?
Usually two to three weeks: agreement and brand list, the technical connection with test orders, then settlement. If you don’t have a product API, we can set your products up manually.
Which categories do you distribute?
Retail and fashion, groceries and drugstores, travel and mobility, gaming, telco and more, across 30+ European markets.
Do consumers see our terms and conditions?
Yes. Every consumer accepts your T&Cs before purchase, and your redemption instructions, PDF and wallet pass travel with every card.
We already have our own B2B partners. Can finperks run them?
Yes. With processing, you bring your partners and finperks runs onboarding, ordering, delivery and reporting for them, through the API, SFTP or a B2B portal. It works alongside distribution, where we bring the partners.
Get started
Put your gift cards in front of new customers.
You approve every distribution partner, and your agreement is set up around your brand. Tell us your markets and we’ll show you where your cards could go live.
