Edenred has established itself as the world leader in special-purpose payment solutions. The Group has developed a digital platform of services and payments for all players in the world of work. Present in 45 countries, the group currently has 10,000 employees and offers 250 different solutions.
Challenge: cope with order peaks while guaranteeing instantaneous customer relations
Whether it is for Ticket Restaurant®, gift vouchers or turnkey services for CSEs, the activity of the Edenred group is sometimes subject to seasonality. Edenred called on Fintecture with a simple objective: to be able to respond to all orders with the same responsiveness. By obtaining immediate confirmation of payment, Edenred teams are able to process requests instantly, even during busy periods.

Immediate Transfer: the payment solution that reduces internal friction and increases customer satisfaction
Until now, the payment methods offered by Edenred to its customers had certain limitations:
- Credit card payments proved problematic due to high basket limits (often blocked above €4,000).
- Traditional" cheques and bank transfers generate longer processing times (3 to 7 days), as order preparation is only triggered once payment has been received.
- These "traditional" payment methods also led to friction and processing costs, particularly when it came to tracking the receipt of funds, identifying the payer and/or the order, and sometimes making several return trips to customers. These time-consuming processes slowed down accounting reconciliation and, ultimately, service delivery.
Edenred has therefore chosen to implement the Immediate Transfer Fintecture, integrated directly into the payment page of its e-commerce site.
Deployed in just a few weeks, the Immediate Transfer Fintecture has enabled :
- Bypass card limit issues for large baskets.
- Offer a seamless user experience, similar to that of a card, but with no interruption in the online payment process, unlike a traditional cheque or bank transfer.
- Provide immediate confirmation of payment, reducing processing times, avoiding bottlenecks during seasonal peaks, and securing order preparation.
- Automate reconciliation, since the Immediate Transfer "embeds all order-related data (payer identification, order number, purchase amount) in the transaction: a major time-saver for the Finance department!

Result: A smooth payment experience for a stronger customer relationship
From convinced customers
80% of Edenred's customers were quick to use the solution, praising its ease of use. The Immediate Transfer contributes to improving customer satisfaction, a key issue for Edenred.
I'm particularly impressed by the level of support we received throughout the project, the quality of our discussions, both in terms of follow-up and implementation, and your ability to challenge us.
Efficient deployment
Fintecture has boosted the productivity of the finance department by drastically reducing the manual tasks involved in tracking payments. By automating accounting reconciliation, teams are now able to respond to more orders.
"A positive return on investment on all levels!"
Lower direct and indirect costs
Fintecture has enabled Edenred to reduce the costs associated with the use of corporate bankcards by a factor of 4, but the real added value today lies in the improvement of business processes, enabling both the optimization of reconciliation and the reduction of delivery times to between 3 and 5 days.
Fintecture, a trusted partner for large corporations
As proof of their satisfaction and confidence, Edenred's teams are now deploying Fintecture solutions on other services.
With Fintecture, we'll go as far as we can to meet our customers' expectations and challenges.