# finperks > finperks is a Berlin-based B2B prepaid orchestration platform. Banks, fintechs, HR platforms, retailers and crypto apps integrate one API to offer gift cards, cashback and rewards from 1,000+ brands across 30+ European markets, under a single contract and a single settlement, typically live in under 30 days. Canonical: https://finperks.com Sitemap: https://finperks.com/sitemap.xml Last-Updated: 2026-09-16 Language: en ## What finperks does - One API, one contract, one settlement for gift cards and prepaid rewards across Europe. - Multi-supplier orchestration: routes each order to the best available source, with failover when a supplier has an outage. - White-label — the reward experience stays inside the client's own app. - Funded by the wholesale margin on gift cards rather than by interchange, so partners can offer cashback without subsidising it directly. ## Solutions and use cases - [Cashback](https://finperks.com/use-case/cashback): Gift-card-funded cashback inside a banking or fintech app. - [Employee benefits](https://finperks.com/use-case/employee-benefits): Tax-compliant benefits and vouchers for HR and payroll platforms. - [Selling gift cards](https://finperks.com/use-case/selling-giftcards): Sell prepaid products through a marketplace, retailer or platform. - [Gifting](https://finperks.com/use-case/gifting): Let end users send digital gift cards from within an app. - [Promotions](https://finperks.com/use-case/promotions): Reward campaigns, referrals and acquisition incentives. - [Crypto off-ramp](https://finperks.com/use-case/off-ramp): Convert digital assets into spendable prepaid value at real brands. ## Industries served - [Banks and fintechs](https://finperks.com/industries/banks-fintechs): Loyalty, engagement and non-interest revenue for banking apps. - [HR and payroll platforms](https://finperks.com/industries/hr-payroll-platforms): Employee benefits modules for HR software. - [Retailers](https://finperks.com/industries/retailers): Prepaid ranges and margin for retail and marketplaces. - [Brands](https://finperks.com/industries/brands): Distribution reach for brands issuing gift cards. - [Crypto](https://finperks.com/industries/crypto): Spending and off-ramp options for wallets and exchanges. - [Agentic commerce](https://finperks.com/industries/agentic): Brand catalogue access for AI agents that transact. ## Product and technical - [Technical integration](https://finperks.com/tech-integration): Integration model, architecture and go-live path. - [API documentation](https://docs.finperks.com/): REST API reference and integration guides. - [Available brands](https://finperks.com/available-brands): The brand catalogue by market. - [Facts](https://finperks.com/facts): Company and platform facts at a glance. ## Company - [About finperks](https://finperks.com/about-us): Mission, team and company background. Founded by the team behind viafintech. - [Contact](https://finperks.com/contact-us): Contact form and demo requests — the single contact destination. - [Blog](https://finperks.com/blog): All articles on prepaid orchestration, cashback, gift card distribution and off-ramp. ## Legal - [Privacy policy](https://finperks.com/privacy-policy): GDPR/DSGVO data processing and privacy practices. - [Legal notice / Imprint](https://finperks.com/legal-notice): Provider identification under German law. ## Articles — Banks & Fintech - [How to Structure Referral Rewards for Banks](https://finperks.com/post/how-to-structure-referral-rewards-for-bank-customers): How to choose between cash, loyalty points, and gift cards for a bank referral programme, and how to size the reward against your own acquisition cost. - [How Will AI Agents Pay for Purchases in 2026?](https://finperks.com/post/how-will-ai-agents-pay-for-purchases-in-2026): AI agents will pay for purchases in 2026 through three converging payment rails: prepaid gift card infrastructures accessed via orchestration APIs… - [The Modern Reward Stack: Card-Linked Offers, Affiliate, and Gift Card Rails Explained](https://finperks.com/post/the-modern-reward-stack-card-linked-offers-affiliate-and-gift-card-rai): The modern reward stack is the modular infrastructure integrating card-linked offers, affiliate commission tracking, and gift card distribution into… - [The Bank's Guide to Reward Models: Card-Linked Offers, Cashback and Gift Card Rails](https://finperks.com/post/the-bank-s-guide-to-reward-models-card-linked-offers-cashback-and-gift): European banks face a structural problem when designing reward programs: the EU's interchange cap makes generous cashback financially unsustainable… - [Which Prepaid API Supports Both Cashback and Employee Benefits?](https://finperks.com/post/which-prepaid-api-supports-both-cashback-and-employee-benefits): Finperks is the only prepaid orchestration API that natively supports both cashback rewards and employee benefits through a single integration. - [How Do Challenger Banks Monetize Current Accounts That Earn No Interest Margin](https://finperks.com/post/how-do-challenger-banks-monetize-current-accounts-that-earn-no-interes): Challenger banks monetize zero-interest current accounts through three core non-interest income streams: interchange fees from card spending, premium… - [Refer a Friend Rewards API for a Fintech App: The Complete Implementation Guide](https://finperks.com/post/refer-a-friend-rewards-api-for-a-fintech-app-the-complete-implementati): Every fintech company paying €15 in cash for a referral reward is spending exactly €15. A referral rewards API connected to a prepaid orchestration… - [Embedded Rewards Infrastructure for Fintechs in Europe](https://finperks.com/post/embedded-rewards-infrastructure-for-fintechs-in-europe): Embedded rewards infrastructure is the API-first orchestration layer that lets European fintechs, banks, and HR platforms integrate prepaid products… - [Tremendous vs finperks for Embedded Rewards in Europe](https://finperks.com/post/tremendous-vs-finperks-for-embedded-rewards-in-europe): Tremendous and finperks both operate in the rewards space, but they solve fundamentally different problems. Tremendous is a company built around an… - [Gift Card API to Drive Engagement in a Banking App](https://finperks.com/post/gift-card-api-to-drive-engagement-in-a-banking-app): Gift card APIs give banking apps a programmable way to deliver instant, cost-effective rewards that increase daily engagement, drive premium account… - [Best Way to Add Rewards to a Fintech App Without Managing Brand Contracts](https://finperks.com/post/best-way-to-add-rewards-to-a-fintech-app-without-managing-brand-contra): The best way to add rewards to a fintech app without managing brand contracts is through a prepaid orchestration layer-a single API integration that… - [Best Gift Card API Provider for Banks and Fintechs in 2026: epay vs cadooz vs finperks](https://finperks.com/post/best-gift-card-api-banks-fintechs-2026): epay, cadooz and finperks compared for banks and fintechs — catalog reach, margin structure, contracting and settlement across European markets. - [Blackhawk Network Alternative for Fintechs That Want One API and One Contract](https://finperks.com/post/blackhawk-network-alternative-fintechs): Why fintechs replace single-supplier gift card distribution with a prepaid orchestration layer: one API, one contract, one settlement across Europe. ## Articles — Cashback - [New Reward Format to Replace Classic Cashback in a Loyalty App](https://finperks.com/post/new-reward-format-to-replace-classic-cashback-in-a-loyalty-app): Gift cards, experiential rewards, and tiered point systems are replacing flat cashback in loyalty apps-and the shift is structural, not cosmetic. - [How Does The Gift Card Margin Model Work and Who Funds the Cashback?](https://finperks.com/post/how-does-the-gift-card-margin-model-work-and-who-funds-the-cashback): Gift card cashback is funded entirely by wholesale margins - the structural spread between the nominal face value of a voucher and the discounted… - [What Revenue Can a Neobank Generate from a Gift Card Cashback Feature?](https://finperks.com/post/what-revenue-can-a-neobank-generate-from-a-gift-card-cashback-feature): A well-structured gift card cashback feature can become one of the most predictable ancillary revenue lines a neobank operates. - [How Long Does it Take to Launch Cashback in a Banking App](https://finperks.com/post/how-long-does-it-take-to-launch-cashback-in-a-banking-app): Launching a cashback program in a banking application can take a considerable amount of time through traditional development paths. - [How To Increase Premium Account Upgrades with Cashback Tiers](https://finperks.com/post/how-to-increase-premium-account-upgrades-with-cashback-tiers): Cashback tiers are the highest-converting premium upgrade mechanism available to banks and fintechs today. Unlike traditional tier benefits such as… - [How do Banks Fund Cashback Without Losing Money: The Complete Guide to Profitable Reward Programs](https://finperks.com/post/how-do-banks-fund-cashback-without-losing-money-the-complete-guide-to): Banks fund cashback by combining interchange fees, interest income from revolving balances, and operational efficiencies that together exceed the… - [How Can a Digital Bank Turn Payment Data into Personalized Cashback Offers?](https://finperks.com/post/how-can-a-digital-bank-turn-payment-data-into-personalized-cashback-of): Digital banks sitting on millions of daily transactions already have the raw material to build highly personalized cashback programs-most just lack… - [Gift Card Cashback Program for a Banking App: How Boursobank Does It](https://finperks.com/post/gift-card-cashback-program-for-a-banking-app-how-boursobank-does-it): Gift card cashback programs are replacing traditional card-linked rewards as the highest-yield engagement mechanic available to banking apps today. - [Tillo vs Runa vs Finperks for a Fintech Cashback Program: The Complete Guide to Choosing a Provider](https://finperks.com/post/tillo-vs-runa-vs-finperks-for-a-fintech-cashback-program-the-complete): Merchant-funded cashback has become the primary lever fintech platforms use to drive retention, increase transaction volumes, and justify premium account tiers. - [We Need to Match Revolut and Monzo Cashback Features, What is the Fastest Way?](https://finperks.com/post/we-need-to-match-revolut-and-monzo-cashback-features-what-is-the-faste): The fastest way to match Revolut and Monzo cashback figures is not to negotiate retailer partnerships one by one. - [How Can a Neobank Add Cashback Rewards Without Building It In-House?](https://finperks.com/post/how-can-a-neobank-add-cashback-rewards-without-building-it-in-house): A neobank can add cashback rewards without building anything in-house by integrating a prepaid orchestration API that aggregates 700+ brands across… - [Cashback API for Fintech Apps That Works Across Europe](https://finperks.com/post/cashback-api-for-fintech-apps-that-works-across-europe): A cashback API for fintech apps that works across Europe needs more than a reward endpoint. It needs prepaid orchestration: one API, one contract… ## Articles — Selling Gift Cards - [What is the Role of Gift Cards in Agentic Commerce?](https://finperks.com/post/what-is-the-role-of-gift-cards-in-agentic-commerce): In agentic commerce, gift cards serve as the primary programmable payment, reward, and identity-linking primitive for autonomous AI agents within the… - [Prepaid Infrastructure for Agentic Commerce and AI Checkout](https://finperks.com/post/prepaid-infrastructure-for-agentic-commerce-and-ai-checkout): Prepaid infrastructure provides the secure, closed-loop payment rail that autonomous AI agents need to execute purchases within controlled brand… - [How to Give an AI Agent Access to Thousands of Brands to Buy From](https://finperks.com/post/how-to-give-an-ai-agent-access-to-thousands-of-brands-to-buy-from): AI agents gain access to thousands of brands through prepaid orchestration platforms that aggregate multiple gift card suppliers into a single API endpoint. - [How a B2C Platform Monetizes User Spend With Gift Cards](https://finperks.com/post/how-a-b2c-platform-monetizes-user-spend-with-gift-cards): B2C platforms monetize user spend with gift cards by capturing the wholesale discount between what they pay suppliers and the face value delivered to users. - [Best Margins on Gift Cards for a Marketplace or Retailer: Orchestration vs Single-Supplier Models](https://finperks.com/post/best-margins-on-gift-cards-for-a-marketplace-or-retailer-orchestration): Gift card margins are the profit a platform retains between the wholesale purchase price it pays for a card and the card's face value. - [How to Expand a Rewards Catalog with Hundreds of Brands Through One API](https://finperks.com/post/how-to-expand-a-rewards-catalog-with-hundreds-of-brands-through-one-ap): Expanding a rewards catalog from a handful of brands to over a thousand requires solving a structural problem that no amount of vendor negotiation… - [Add a Gift Card Gifting Feature to a Consumer App](https://finperks.com/post/add-a-gift-card-gifting-feature-to-a-consumer-app): Adding a gift card gifting feature to your consumer app requires prepaid orchestration infrastructure - not a static catalog from a single distributor. - [Which Brands are Available Through an European Gift Card API?](https://finperks.com/post/which-brands-are-available-through-a-european-gift-card-api): European gift card APIs give platforms programmatic access to 1,000+ brands - including Amazon, REWE, IKEA, Airbnb, Zalando, Netflix, Apple… - [What Happens if a Gift Card Supplier Has an Outage? Impact on Platform Operations and Failover Solutions](https://finperks.com/post/what-happens-if-a-gift-card-supplier-has-an-outage-impact-on-platform): When a gift card supplier goes down, every platform relying on that single vendor connection experiences immediate transaction failures. - [How Can a Loyalty Program Add Gift Cards as a Redemption Option](https://finperks.com/post/how-can-a-loyalty-program-add-gift-cards-as-a-redemption-option): A loyalty program can add gift cards as a redemption option through three primary paths: building direct supplier integrations brand by brand… - [Gift Card API for Retailers and Marketplaces to Sell Prepaid Products](https://finperks.com/post/gift-card-api-for-retailers-and-marketplaces-to-sell-prepaid-products): A gift card API allows retailers and marketplaces to integrate gift card functionality into their systems and sell digital gift cards… - [Can One Contract Cover Gift Card Distribution Across All European Markets?](https://finperks.com/post/can-one-contract-cover-gift-card-distribution-across-all-european-mark): Yes, one contract can cover gift card distribution across all European markets - but only if the provider operates as a prepaid orchestration layer… - [Why Use a Gift Card Aggregator Instead of Contracting Brands Directly](https://finperks.com/post/why-use-a-gift-card-aggregator-instead-of-contracting-brands-directly): A gift card aggregator replaces dozens of separate contracts, settlement relationships, and technical integrations with a single infrastructure layer… - [How To Choose a Prepaid API Provider, A Buyer Checklist](https://finperks.com/post/how-to-choose-a-prepaid-api-provider-a-buyer-checklist): Choosing a prepaid API provider means selecting the backend infrastructure that lets your business offer digital gift cards, cashback rewards… - [Gift Card Orchestration vs a Single Supplier, What Changes for the Buyer?](https://finperks.com/post/gift-card-orchestration-vs-a-single-supplier-what-changes-for-the-buye): When your platform relies on a single gift card supplier per market, every new country means another contract, another API integration, another… - [Agency Model vs Reseller Model for Gift Cards: What is the Difference?](https://finperks.com/post/agency-model-vs-reseller-model-for-gift-cards-what-is-the-difference): The agency model and the reseller model represent two fundamentally different approaches to distributing digital gift cards, and the model you choose… - [Why Are Gift Cards Becoming a Payment Instrument and Not Just a Gift](https://finperks.com/post/why-are-gift-cards-becoming-a-payment-instrument-and-not-just-a-gift): Gift cards are no longer confined to birthday envelopes and holiday stockings. They have evolved into a mainstream payment method-used by consumers… - [What is the Difference Between a Gift Card Distributor and an Aggregator?](https://finperks.com/post/what-is-the-difference-between-a-gift-card-distributor-and-an-aggregat): A gift card distributor handles the logistics of moving gift cards from brands to recipients: procurement, warehousing, fulfillment, and delivery. - [What is Gift Card Orchestration: The Complete Guide to Prepaid Infrastructure Management](https://finperks.com/post/what-is-gift-card-orchestration-the-complete-guide-to-prepaid-infrastr): Deploying a cross-border digital rewards program has traditionally forced financial platforms into a severe architectural trade-off. - [What Is Prepaid Orchestration and How Does It Work?](https://finperks.com/post/what-is-prepaid-orchestration-and-how-does-it-work): Prepaid orchestration is a cloud-native B2B infrastructure layer that aggregates fragmented global gift card, corporate voucher, and cashback… - [Which Gift Card API Has the Best Local Brand Coverage in DACH?](https://finperks.com/post/which-gift-card-api-has-the-best-local-brand-coverage-in-dach): For any platform building cashback, employee benefits, or loyalty rewards in the DACH region, the quality of local brand coverage determines whether… - [Gift Card API with One Contract and One Settlement Across Europe](https://finperks.com/post/gift-card-api-with-one-contract-and-one-settlement-across-europe): A gift card API with one contract and one settlement across Europe removes the structural problem that makes scaling prepaid products across European… - [Cheapest Way to Access Hundreds of Gift Card Brands Through One Integration](https://finperks.com/post/cheapest-way-to-access-hundreds-of-gift-card-brands-through-one-integr): The cheapest way to access hundreds of gift card brands through a single integration is a prepaid orchestration layer that aggregates multiple… - [Finperks vs Tillo, Which Gift Card API is Better for European Coverage?](https://finperks.com/post/finperks-vs-tillo-european-coverage): Tillo distributes from its own catalog; finperks routes across multiple suppliers. How the two models differ on coverage, margin and settlement. - [Runa Alternatives for a Pan European Gift Card API](https://finperks.com/post/runa-alternatives-pan-european-gift-card-api): Alternatives to Runa for pan-European gift card distribution, and why multi-supplier orchestration beats a single distributor on margin at scale. - [Tillo API Pricing and How It Compares to Other Providers](https://finperks.com/post/tillo-api-pricing-comparison): How Tillo's gift card API pricing is structured, how it compares with Runa, Blackhawk and Tremendous, and where multi-supplier routing changes margin. ## Articles — Off-Ramp - [Let Users Cash Out Crypto Into Gift Cards They Can Spend Instantly](https://finperks.com/post/let-users-cash-out-crypto-into-gift-cards-they-can-spend-instantly): Crypto exchanges, wallet providers, and fintech platforms face a persistent infrastructure problem: giving users a fast, compliant way to convert… - [Gift Card API for Crypto Exchanges to Offer Spending Options: Unlocking Real-World Spending and High-Yield Rewards](https://finperks.com/post/gift-card-api-for-crypto-exchanges-to-offer-spending-options-unlocking): Gift card APIs give crypto exchanges a direct path to solving their most persistent user experience problem: turning digital assets into real-world… - [How Can a Crypto Wallet Let Users Spend Digital Assets at Real Brands](https://finperks.com/post/how-can-a-crypto-wallet-let-users-spend-digital-assets-at-real-brands): A crypto wallet bridges digital assets and physical retail stores by converting holdings into prepaid products that brands already accept. - [Crypto Off Ramp Through Prepaid Gift Cards](https://finperks.com/post/crypto-off-ramp-through-prepaid-gift-cards): Crypto off-ramps through prepaid gift cards provide a compliant, scalable mechanism for crypto platforms to let users convert digital assets into… ## Articles — HR & Payroll - [Tax-Free Employee Benefits Across Germany, Italy, France, and Spain in One Integration](https://finperks.com/post/tax-free-employee-benefits-across-germany-italy-france-and-spain-in-on): HR platforms expanding across European markets face a structural problem: every country defines tax free employee benefits differently, enforces… - [Should an HR Platform Build Employee Benefits In-House or Use a Benefits API?](https://finperks.com/post/should-an-hr-platform-build-employee-benefits-in-house-or-use-a-benefi): Deciding whether to build an employee benefits infrastructure in-house or integrate via a benefits API directly dictates your engineering roadmap… - [How Much Margin Can an HR Platform Earn on Employee Benefits?](https://finperks.com/post/how-much-margin-can-an-hr-platform-earn-on-employee-benefits): Tax-free employee benefits have become an increasingly important capability for HR and payroll platforms operating across European markets. - [finperks vs Edenred and Pluxee for Platform Integrated Benefits](https://finperks.com/post/finperks-vs-edenred-and-pluxee-for-platform-integrated-benefits): If your HR or payroll platform is evaluating how to embed employee benefits, the structural question is not which distributor to pick. - [Why Standalone Benefit Cards Are the Wrong Model for an HR Platform](https://finperks.com/post/why-standalone-benefit-cards-are-the-wrong-model-for-an-hr-platform): Standalone benefit cards cost your HR platform more than they return. Every physical card you issue trains employees to associate benefit value with… - [New Revenue Stream for HR SaaS Through Employee Benefits](https://finperks.com/post/new-revenue-stream-for-hr-saas-through-employee-benefits): HR SaaS platforms sitting on large employer customer bases are leaving predictable revenue on the table by not offering tax-free employee benefits natively. - [How Does the €50 Tax-Free Non-Cash Benefit Work, And How Can a Platform Offer It](https://finperks.com/post/how-does-the-50-tax-free-non-cash-benefit-work-and-how-can-a-platform): The €50 monthly non-cash benefit (Sachbezug) under §8 Para. 2 of the German Income Tax Act (EStG) allows employers to provide employees with tax-free… - [Compliant Employee Benefits Feature for a Payroll Platform Without Legal Overhead](https://finperks.com/post/compliant-employee-benefits-feature-for-a-payroll-platform-without-leg): Payroll platforms can integrate compliant, tax-free employee benefits across European markets without building supplier infrastructure, negotiating… - [One API, Five Tax Schemes: How EU Employee Benefits Actually Differ](https://finperks.com/post/one-api-five-tax-schemes-how-eu-employee-benefits-actually-differ): Employee benefits in the European Union are not governed by a single tax code. There is no unified administrative API for employee benefits in the EU… - [How to Add Tax-Free Non-Cash Benefits to an HR Platform via API](https://finperks.com/post/how-to-add-tax-free-non-cash-benefits-to-an-hr-platform-via-api): HR platforms that lack native tax-free non-cash benefits are losing enterprise accounts to competitors that offer them. - [How Can An HR Platform Offer Employee Benefits Without Building It In-House](https://finperks.com/post/how-can-an-hr-platform-offer-employee-benefits-without-building-it-in): An HR platform can offer employee benefits without building anything in-house by integrating a prepaid orchestration API that aggregates multiple… - [Employee benefits API for payroll and HRIS platforms](https://finperks.com/post/employee-benefits-api-for-payroll-and-hris-platforms): An employee benefits API connects your payroll or HRIS platform to prepaid orchestration infrastructure, letting you offer tax-free, non-cash… ## Articles — Integration Note - [How Long Does It Really Take to Integrate a Gift Card API](https://finperks.com/post/how-long-does-it-really-take-to-integrate-a-gift-card-api): Gift card API integration typically takes one to four weeks for simple connections and two to three months for complex, multi-market enterprise setups. ## Articles — Partner Story - [From Concept to 3 Million Users in 6 Weeks: How Finanzguru Scaled a Multi-Brand Reward Engine](https://finperks.com/post/from-concept-to-3-million-users-in-6-weeks-how-finanzguru-scaled-a-mul): Finanzguru launched "Sparbooster," a multi-brand cashback reward program, to its 3+ million registered users in July 2026. - [How Flizpay, Zero Fee Payment App, Added Native Platform-Subsidized Cashback on Gift Cards](https://finperks.com/post/flizpay-platform-subsidized-cashback): Flizpay added platform-subsidized cashback on gift cards to turn invisible fee savings into a daily habit: 50% repeat buyers, 25% new user growth. - [Here's How Flixbus Stopped Waiting for Travel Demand, powered by finperks ](https://finperks.com/post/flixbus-reaching-new-customers): Flixbus sells travel through gift card channels to reach demand it cannot advertise into, adding incremental customers rather than cannibalised ones. - [Why Zalando Treats Its Gift Card as a Reactivation Tool, Not a Gift, powered by finperks ](https://finperks.com/post/zalando-high-value-customers-new-channels): Zalando's gift card program targets reactivation of drifted customers, not gifting, and reaches new channels without fragmenting distribution. ## Articles — Press - [Saldo Bank and finperks Partner to Drive Rewards and Cashback to Users in Finland and Beyond](https://finperks.com/post/saldo-bank-and-finperks-partner-to-drive-rewards-and-cashback-to-users-in-finland-and-beyond-2): Through integrating with finperks, Saldo Bank customers gain immediate access to rewards and cashback from a wide range of leading international brands (e.g. Apple, Wolt, Zalando, Adidas and Playstation) – seamlessly embedded into their banking experience. - [Finanzguru's Sparbooster Promises Up to 10% Cashback at 70+ Brands](https://finperks.com/post/finanzguru-sparbooster-up-to-10-percent-cashback): With a new cashback program, Finanzguru wants to hand users real money back on everyday purchases. The Sparbooster promises perks at more than 70… ## Notes - finperks is B2B: clients are banks, fintechs, HR platforms, retailers and crypto apps, who offer the rewards to their own end users. finperks does not sell gift cards to consumers. - Coverage is 1,000+ brands across 30+ European markets through one integration; target time-to-launch is under 30 days. - finperks operates under both agency and reseller models depending on the client. - Company: finperks GmbH, c/o Mindspace, Uhlandstr. 32, 10719 Berlin, Germany. General enquiries: info@finperks.com. - Regulatory context: German tax law (UStG) for benefits, DSGVO/GDPR for data protection.