Fintech Startup Finperks Secures $4M for Prepaid Payments

Berlin-based finperks has secured €3.4 million (approximately $4 million) in pre-seed funding to establish a foundational API infrastructure for the global prepaid payments sector. The ambitious startup aims to become the go-to platform for prepaid solutions, akin to how Stripe revolutionized online card processing.

The funding round was spearheaded by Motive Partners, a prominent private equity firm specializing in financial technology. Alongside Motive Partners, seed+speed Ventures and notable investor Carsten Maschmeyer also participated, signaling strong confidence in finperks' vision and founding team.

Founded in 2025 by a trio of seasoned entrepreneurs—Achim Boensch, Sebastian Seifert, and Andreas Veller—finperks brings a wealth of experience. Their previous venture, Barzahlen/viafintech, built Europe's largest independent cash network and was successfully divested to Paysafe for a substantial nine-figure sum in 2021. This track record positions the founders to navigate the complexities of the financial services industry.

The core offering from finperks is a unified API that empowers banks, other fintech firms, and HR software providers to seamlessly integrate a wide array of prepaid products. This includes gift cards, eCash, and cashback functionalities, eliminating the need for individual partners to manage disparate relationships with issuers, brand networks, settlement processors, and compliance frameworks. The prepaid market, estimated to be worth tens of billions globally and experiencing steady growth driven by consumer demand for flexible payment options and corporate incentive programs, presents a significant opportunity for such a streamlined solution.

Despite being in its early stages, with its first employee joining just six months ago, finperks has already made significant inroads. The company has successfully onboarded initial banking and fintech partners, including FLIZpay, and is in the process of integrating with HR SaaS providers such as paylo and Recardy. The platform currently provides access to over 1,000 brands across 30 international markets, featuring well-known names like Zalando and Flix.

This fresh capital injection will be strategically deployed to bolster the engineering team, a critical step for scaling complex API infrastructure. Furthermore, the funds will support the expansion of brand partnerships, enhancing the value proposition for finperks' clients, and facilitate operational growth into additional European territories. The move addresses a clear market need for simplified prepaid product distribution, a segment often fragmented and challenging to access for many businesses.