epay is the digital payment and incentive unit of Euronet Worldwide, listed as EEFT, active since 1996. It operates a very large retail and point of sale distribution network across many countries. finperks takes a different approach. It aggregates epay alongside other suppliers behind one API, built specifically for banks, fintechs, and HR platforms that need a compliant, embeddable gift card or benefits feature in Europe.
What epay offers, in their own words
- Gift card, prepaid, payment, issuing, acquiring, and incentive solutions on one platform, described as a single interface for partners
- A distribution network reported at around 749,000 points of sale and 363,000 retail locations, with more than 1,000 brand partners
- Reach across roughly 66 countries for its regional business, and participation in a wider Euronet network serving around 200 countries and territories, with 16 billion total transactions processed
- Serves banks, retailers, brands, and distribution partners across health, finance, transport, retail, energy, IT, entertainment, online commerce, and telecommunications
- Part of Euronet Worldwide, which reported about 4 billion dollars in total revenue for 2024
Where finperks is built differently
- finperks already lists epay as one of the suppliers it can route through, so a bank or HR platform gets one API and one contract across epay’s catalog and others, instead of a direct distribution agreement with epay
- Purpose built for three specific use cases in Europe: bank and fintech cashback, HR and payroll tax free employee benefits, and retailer and brand distribution
- Dynamic routing across suppliers optimizes margin per brand and market, with automatic failover
- Go live typically under 30 days with sandbox access, built to embed into an existing product rather than stand alone
- One contract and one settlement across all connected European markets, not a separate relationship per supplier
