Kresus
Kresus is a Lyon-based fintech that provides B2B virtual card payment infrastructure enabling mid-sized companies and corporates to make early supplier payments with up to 90-day deferred settlement. It also offers enterprise digital wallet and RWA tokenization services for institutional clients.
- Company typePrivate
- Founded2020
- HeadquartersLes Auvergnes, France
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Kresus does
Kresus is a Lyon, France-based fintech founded in 2020 that builds virtual card payment infrastructure for B2B corporate payments, targeting mid-sized companies, large SMEs, corporates, and financial institution issuers. Its platform addresses working capital constraints by enabling early supplier payments while allowing the paying corporation to defer settlement for up to 90 days, replacing opaque factoring arrangements with a confidential, card-rail-based workflow in which suppliers receive standard bank transfers unaware that a virtual card was used. The company offers two core products: Kresus Pay, which issues single- and multi-use virtual cards for deferred debit supplier payments with ERP and treasury management system compatibility, and Kresus Purchase, an indirect spend management module that consolidates purchase requests, approvals, virtual card issuance, bank transfers, and financial dashboards. A newer enterprise digital wallet infrastructure and real-world asset (RWA) tokenization capability is being scaled globally following a strategic investment from Hanwha Investment & Securities.
The technology stack is proprietary virtual card infrastructure built on PCI DSS Level 1 and ISO 27001-certified rails, integrated with Visa and Mastercard as official partners (with Mastercard embedding Kresus into its virtual card number program alongside SAP Concur, SAP Taulia, and Grasp Technologies), and connected to treasury and ERP systems including Kyriba, SAP, Sage, Diapason, and Exalog. The platform supports 40+ currencies and includes security features such as self-destructing virtual cards, IBAN verification, smart whitelisting, and AML/CFT monitoring.
Kresus operates a B2B enterprise field sales motion targeting mid-sized companies and corporates with consultative selling around working capital optimization and indirect spend control. Revenue is generated through transaction fees on virtual card programs and recurring subscription revenue from enterprise wallet infrastructure and RWA tokenization services for institutional clients such as Hanwha. Pricing is quote-based and not publicly disclosed. The company has raised approximately €1M from business angels and Bpifrance (2022) and $13M from Hanwha Investment & Securities (February 2026), and has at least one publicly disclosed reference customer in the agrifood sector with €3 billion in revenue.
Kresus firmographics
Firmographics- Name
- Kresus
- Legal name
- Kresus
- Website
- https://kresus.eu
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kresus is a Lyon-based fintech that provides B2B virtual card payment infrastructure enabling mid-sized companies and corporates to make early supplier payments with up to 90-day deferred settlement. It also offers enterprise digital wallet and RWA tokenization services for institutional clients.
- Ownership category
- akta.pro rank
Kresus industry classification
Industry- Product category
- B2B Payment Infrastructure
- NAICS
- Credit Card Issuing (522210), Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- BNPL Card / Virtual Card Programs (FSAKACAC)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Issuer/Network-Led Installments (Card-Based Pay-Over-Time) (FSAGAIAB)
Keywords
Where Kresus is headquartered
LocationHeadquarters
- HQ city
- Les Auvergnes
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Kresus business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Virtual Card Programs: Kresus provides virtual card payment infrastructure for issuers and corporate clients, facilitating early supplier payments with deferred debit options.
- Enterprise Wallet Infrastructure: Enterprise digital wallet infrastructure and real-world asset tokenization services for institutional clients like Hanwha.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise corporate payment solutions |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels3 records
Kresus product offering
Product offeringCore offering
Kresus provides B2B virtual card payment infrastructure that enables corporates and large SMEs to pay suppliers early while deferring their own settlement by up to 90 days. Its Kresus Pay solution handles card-to-account supplier payments with 100% confidentiality and zero supplier onboarding, while Kresus Purchase offers an indirect spend management workflow for request, approval, and payment via virtual card or bank transfer. The platform is integrated with major ERPs and treasury management systems, supports 40+ currencies, and is PCI DSS and ISO 27001 certified.
Product overview
Kresus offers a unified virtual card payment infrastructure platform for B2B corporate payments, consisting of two core products: Kresus Pay (deferred debit supplier payments with up to 90 days settlement, zero supplier enrollment, and ERP/TMS compatibility) and Kresus Purchase (indirect spend management with unified request, approval, and payment workflows supporting virtual cards and bank transfers). Both products are designed for mid-sized companies and corporates, with a focus on card programs, cash flow optimization, and payment confidentiality.
Differentiator
Problem solved
Functional benefit
Brands
- Kresus Pay: Deferred debit supplier payments solution allowing virtual card payments with up to 90 days deferred debit, 100% confidential with zero supplier enrollment.
- Kresus Purchase
Products and services
- Kresus Pay Virtual card payment solution enabling deferred debit supplier payments with up to 90 days settlement. Provides 100% confidential, zero-supplier-enrollment card-to-account payments with ERP and treasury management system compatibility, for corporate finance and treasury teams.
- Kresus Purchase Indirect spend management solution providing a unified workflow to request, approve and pay by virtual card or bank transfer. Includes purchase request and approval workflows, single- and multi-use virtual cards, bank transfer capability, and financial dashboards, for corporate procurement and finance teams.
- Enterprise Digital Wallet Infrastructure Enterprise digital wallet infrastructure and real-world asset (RWA) tokenization services offered to institutional clients such as Hanwha for global-scale deployment, complementing Kresus's core B2B virtual card payment offerings.
Quantifiable outcome
- Up to 90 days settlement deferral for improved cash flow
- +2 more outcomes
Companies that use Kresus
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Kresus technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature7 records
Kresus partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered flagship and core.
- VisaflagshipKresus is an official partner of Visa for card programs and payment solutions. This partnership enables Kresus to offer virtual card solutions under the Visa brand.
- MastercardflagshipKresus expanded integrations with Mastercard as part of its embedded virtual card number program. This partnership enables sophisticated B2B payment solutions through the Mastercard network.
- KyribacorePart of the Kresus treasury stack, enabling integration with Kyriba's treasury management platform for seamless corporate payment workflows.
- SAPcoreIntegrated with SAP's enterprise systems as part of the Kresus treasury stack, enabling compatibility with SAP Concur and other SAP solutions.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Kresus competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Kresus social profiles
Digital presenceKresus compliance and trust
Trust signalCompliance2 records
Kresus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kresus leadership team
Management profileNumber of profiles
Profiles2 records
Kresus funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kresus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kresus
What does Kresus do?
Kresus provides B2B virtual card payment infrastructure that enables corporates and large SMEs to pay suppliers early while deferring their own settlement by up to 90 days. Its Kresus Pay solution handles card-to-account supplier payments with 100% confidentiality and zero supplier onboarding, while Kresus Purchase offers an indirect spend management workflow for request, approval, and payment via virtual card or bank transfer. The platform is integrated with major ERPs and treasury management systems, supports 40+ currencies, and is PCI DSS and ISO 27001 certified.
Is Kresus a public or private company?
Kresus is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kresus founded?
Kresus was founded in 2020. It employs 11 to 50 people.
Where is Kresus based?
Kresus is headquartered in Les Auvergnes, France, in the Europe region.
How does Kresus make money?
Two revenue lines are on record. Virtual Card Programs are the primary driver. The others are enterprise Wallet Infrastructure.
Does Kresus have an API?
No public API is recorded for Kresus.
What industry is Kresus in?
Kresus's product category is B2B Payment Infrastructure. Its primary akta.pro industry code is FSAKACAC, BNPL Card / Virtual Card Programs, with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 522210 and its SIC code is 6199.