Berlin-based fintech startup finperks has raised $4 million in a pre-seed funding round led by Motive Partners and seed+speed Ventures.
The company is developing an API infrastructure platform designed to simplify how financial institutions and digital platforms integrate prepaid products such as gift cards, digital cash, and prepaid payment cards.
Modernizing The Global Prepaid Market
The global prepaid economy is expected to grow significantly over the coming decade, driven by rising demand for digital rewards, cashback programs, and employee benefit solutions.
Despite this growth, the technical infrastructure behind prepaid products remains highly fragmented. Companies that want to launch prepaid offerings often need to integrate with multiple vendors across issuing partners, brand networks, settlement systems, and compliance providers.
This complexity can slow down product launches and limit geographic expansion.
finperks aims to simplify this process by providing a single API that connects companies to a broad prepaid ecosystem.
Advertisement
One Integration For Multiple Prepaid Services
Through a single integration, partners gain access to a network of more than 1,000 consumer brands across Europe.
The platform enables companies to launch several prepaid-based services, including brand-funded cashback programs deposited directly into bank accounts, digital employee benefit solutions, and instant digital gift cards embedded into financial applications.
These capabilities allow banks, fintech companies, and HR platforms to offer prepaid rewards and incentives without building their own infrastructure.
Experienced Founding Team
The founding team behind finperks previously built Barzahlen/viafintech, a bank-independent cash payment network operating across Europe and the United States.
That company was acquired by Paysafe in 2021 in a nine-figure transaction.
finperks was founded by Achim Bönsch, Sebastian Seifert, and Andreas Veller, who bring experience in building financial infrastructure platforms at scale.
Early Platform Adoption
Within six months of launch, the company reports that its platform is already integrated with several digital platforms.
Payment application Flizpay uses the infrastructure to deliver brand-funded cashback directly to users’ bank accounts at the point of purchase. HR platforms such as Recardy and Paylo use the system to distribute tax-advantaged employee benefits in Germany.
Expanding Infrastructure Across Europe
The newly raised capital will be used to expand the engineering team, deepen partnerships with brand networks, and support expansion into additional European markets.
finperks aims to position its platform as the infrastructure layer for prepaid financial products, enabling companies to launch and scale new reward and benefit programs more efficiently.
About finperks
finperks is a Berlin-based fintech company developing API infrastructure for the prepaid economy. The platform enables banks, fintech companies, and HR platforms to integrate prepaid services such as digital gift cards, cashback programs, and employee benefits through a single API connection.
