Every consumer must accept your Terms and Conditions before purchase. Full legal coverage, fully automated.
Your gift cards inside Europe’s fastest growing digital channels
We handle compliance, settlement & integration for you.
The Market Shift
Gift Card Distribution Has Moved Beyond Legacy Networks
The old model was built for local retail racks and country-by-country partnerships. finperks is built for what comes next.
European Scale
Traditional distributors usually operate market by market, limiting how quickly brands can expand. finperks gives brands access to pan-European digital distribution through one platform.
From Racks to Apps
The old model depended on physical gift card 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 the distribution layer from day one.
One Agreement. Hundreds Of Channels
You sign a standard gift card distribution agreement with finperks. We do the rest.
Distribution channels
Where Your Gift Cards Will Go Live
finperks connects you to the fastest-growing digital categories in Europe.
Fintech Apps
Consumers discover your cards inside the apps they already use for payments, personal finance, and cashback. High purchase frequency of users.
Agentic Commerce
Gift cards are structurally the cleanest answer for agents: pre-funded, brand-scoped, no stored credentials, no chargeback exposure.
HR & Benefits Platforms
The German Sachbezug regulation gives every employer a €50/month tax-free benefit per employee. Your cards become the preferred redemption option in these platforms.
Neobanks & Traditional Banks
Banks integrate gift card purchasing and cashback offers directly into their mobile banking apps.
See it in action
How Europe's Travel and Fashion Giants, FlixBus and Zalando Are Unlocking
a New Segment
Zalando spends heavily to reach in-market shoppers. FlixBus competes for every travel search click. With finperks, both brands skip the auction entirely. Zero marketing spend to get there.
"We are now reaching a new type of users who are typically younger, very digital, and very comfortable with spending online"
"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"
finperks cuts out the middleman
The First Platform Connecting Clients with Brands Directly
Traditional
Brand
Issuing Tech Provider
Global Distributor
Local Distributor
Technical Integration POS
Merchants
With US
Brand
Merchants
Subsidized Buying · How it works
Distribution Partners Invest In Selling Your Brand
Fintechs, banks, and wallets, etc. reward their customers with bonus points or cash when they buy gift cards.
That spending incentive is funded entirely from the partners. The result for you: more digital sales, higher purchase frequency, and return customers.
User Experience
Visibility Built-In For Your Brand
Your customers get a great user experience, with every step as clear and intuitive as possible throughout the redemption journey.
T&C Acceptance built-in
QR/Bar code fully rendered
Full PDF always accessible
Apple & Google Wallet
All redemption info as one page
Every consumer must accept your Terms and Conditions before purchase. Full legal coverage, fully automated.
Gift card codes are displayed as a scannable QR code/Barcode, ready for instant in-store redemption. No manual typing.
Cashiers at retailers are often trained on these PDFs. If a consumer doesn't trust the app or the QR/Bar code, they can check the original PDF.
Consumers can add their gift card directly to digital wallets with zero friction. They're always accessible, never lost.
Detailed redemption instructions, product description, validity, and security notices. Everything the consumer needs to redeem in one place.
T&C Acceptance built-in
QR code fully rendered
Gift card codes are displayed as a scannable QR code, ready for instant in-store redemption. No manual typing.
Full PDF always accessible
Cashiers at retailers are often trained on these PDFs. If a consumer doesn't trust the app or the QR code, they can check the original PDF.
Apple & Google Wallet
Consumers can add their gift card directly to digital wallets with zero friction. They're always accessible, never lost.
All redemption info as one page
Detailed redemption instructions, product description, validity, and security notices. Everything the consumer needs to redeem in one place.
Getting Started
How It Works:
From Sign-Up to Live
No new technology to build. No compliance headaches. You already have a gift card program. We connect it to the channels that are growing.
1
Standard Gift Card Agreement
You give us the same terms and commission structure you already offer your existing distribution partners.
2
We Handle the Integration
finperks takes care of the API integration, compliance per country, settlement, fraud monitoring, and partner onboarding.
3
Live Across Europe
Your gift cards become available across 30+ European markets in channels like fintechs, banks, and HR platforms for tax-free employee benefits (Sachbezug), and also consumer channels.
4
You Decide Where Your Brands Show Up
We do brand approval per client, so you sign off on every single distribution partner before they go live.
Contact Us
Want Your Gift Cards All Across Europe?
You approve our distribution partners, give us the same commission, and get access to the full European network. Sounds like a win-win?