Intersolve
Intersolve is a Dutch Electronic Money Institution that builds programmable-money infrastructure — gift cards, loyalty and social/benefit cards, and regulated digital wallets — for governments, retailers, and platforms across Europe.
- Company typePrivate
- Founded1996
- HeadquartersWoudenberg, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Intersolve does
Intersolve is a Netherlands-based, privately held Electronic Money Institution founded in 1996 that provides programmable-money infrastructure for gift cards, loyalty and promotions, social/benefit cards, and regulated digital wallets. The company holds a European EMI licence supervised by the Dutch Central Bank and is ISO 27001 certified and ISAE 3402 audited, enabling it to issue digital money and operate regulated payment services for governments, retailers, brands, platforms and NGOs. Its core platform combines prepaid infrastructure, POS and PSP integrations, cash-management tooling, and a configurable business-rule engine that lets clients set granular controls over how, when, and where funds are spent. Intersolve processes millions of transactions daily through a network of more than 400 partners and is reported to handle over 80% of all gift card transactions in the Netherlands.
The company's offering is organized around four modular product lines: branded Gift Cards for retailers, configurable Loyalty & Promotions programmes, restricted-purpose Social Cards for government aid distribution, and Digital Wallets for platforms and marketplaces that want to embed regulated financial services. Named clients include Albert Heijn, HEMA, Rituals, Primera, Amsterdam City Pass, Gemeente Rotterdam and the Dutch Red Cross, with technology integrations through partners such as Blackhawk Network (retail distribution) and Worldline Mint (payment processing). GTM is primarily enterprise field sales reinforced by a deep channel-partner network rather than self-serve consumer acquisition, and the company distributes through both direct enterprise engagement and the 400+ partner ecosystem across the Netherlands and broader Europe.
Intersolve monetizes primarily through transaction fees on card and wallet flows (gift cards, digital wallets, social cards) plus recurring/subscription revenue from loyalty programme tooling. Pricing is not publicly disclosed and is delivered via custom quotes through the sales team, consistent with its enterprise, programme-based model. The company operates from its headquarters in Woudenberg, the Netherlands, with a headcount of 11–50 employees, and operates with no disclosed parent company, institutional investor, or funding rounds in the source material, indicating an independent, founder/management-owned financial institution.
Intersolve firmographics
Firmographics- Name
- Intersolve
- Legal name
- Intersolve
- Website
- https://intersolve.nl
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Intersolve is a Dutch Electronic Money Institution that builds programmable-money infrastructure — gift cards, loyalty and social/benefit cards, and regulated digital wallets — for governments, retailers, and platforms across Europe.
- Ownership category
- akta.pro rank
Intersolve industry classification
Industry- Product category
- Programmable money and prepaid payment infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Miscellaneous Intermediation (523910)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Gift Card Processing, Issuance Platforms & Aggregators (FSAMANAL)
Keywords
Where Intersolve is headquartered
LocationHeadquarters
- HQ city
- Woudenberg
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Intersolve business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales
Revenue model
- Gift Card Solutions: Revenue generated from gift card programmes including processing fees, setup fees, and transaction fees for branded gift cards sold through retail networks.
- Loyalty & Promotions: Revenue from loyalty programmes, promotional campaigns, points systems, e-vouchers, and segmented discounts.
- Digital Wallets: Financial services revenue from regulated digital wallets under European EMI licence, providing secure payment solutions for platforms and marketplaces.
- Social Cards: Revenue from social benefit cards used by governments and NGOs for controlled distribution of funds for food aid, child support, energy costs, housing, sports or culture.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Intersolve product offering
Product offeringCore offering
Intersolve provides a programmable money platform that lets organisations issue and operate branded gift cards, configure loyalty and promotional programmes, distribute restricted social benefit cards, and embed regulated digital wallets, all under a Dutch Central Bank-issued Electronic Money Institution (EMI) licence. The platform combines prepaid card infrastructure, POS and PSP integrations, cash management, security (ISO 27001, ISAE 3402), and a smart business rule engine that controls who can spend, when, where, on what, and how. Intersolve sells these capabilities primarily to enterprises (governments, NGOs, brands, retailers, platforms) rather than to consumers.
Product overview
Intersolve offers a modular programmable money platform comprised of four core products: Gift Cards for brand-loyalty revenue enhancement, Loyalty & Promotions for configurable reward programmes, Social Cards for restricted government/NGO aid distribution, and Digital Wallets for regulated financial services. The platform provides the technical infrastructure—prepaid card systems, business rule engines, and EMI-licensed wallet services—while clients control the customer experience and spending rules.
Differentiator
Problem solved
Functional benefit
Products and services
- Gift Cards Branded gift card programme that enables organisations to strengthen customer loyalty and drive revenue through Intersolve's advanced prepaid infrastructure, configurable spending rules, distribution network, and POS and PSP integrations. Targeted at retail chains and consumer brands seeking fully modular gift card capabilities (e.g., Albert Heijn, HEMA, Rituals, Primera).
- Loyalty & Promotions Customisable loyalty programme and promotional campaign platform supporting points systems, e-vouchers, segmented discounts, and branded gift cards for both long-term customer retention and short-term marketing initiatives. Configured via Intersolve's smart business rule engine and aligned to each client's brand and objectives.
- Social Cards Restricted-spending payment cards designed for government and NGO aid distribution, enabling organisations to control how funds are used for specific purposes such as food aid, child support, energy costs, housing, sports, or culture. Supports rechargeable benefit cards for managed financial aid.
- Digital Wallets Regulated digital wallet and payment solution powered by Intersolve's European EMI licence and supervised by the Dutch Central Bank, enabling platforms and marketplaces to offer secure, regulated financial services and digital wallets directly within their own platforms.
Quantifiable outcome
- Over 80% of all gift card transactions in the Netherlands are processed through Intersolve's platform
- +1 more outcomes
Companies that use Intersolve
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
Intersolve technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Intersolve partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Blackhawk NetworkcoreGift card distribution partner enabling retail distribution of gift cards through extensive retail network.
- Worldline MintcorePayment technology integration partner providing payment infrastructure connections for processing gift card and wallet transactions.
- Dutch Central BankcoreRegulatory supervisor for Intersolve's Electronic Money Institution (EMI) licence, ensuring compliance with financial regulations.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Intersolve competitors and assessment
Company assessmentBroad incumbents
- Mastercard: Global payment network with a prepaid and gift card services division serving issuers and program managers. Competes with Intersolve at the network/processing level for branded card programs.
- Visa: Global payment network offering prepaid, gift, and commercial card programs through issuing partners. Competes broadly with Intersolve in prepaid card issuance, BIN sponsorship, and gift card network services.
- PayPal: Global digital payments incumbent offering digital wallets, prepaid, and gift card services. Overlaps with Intersolve's wallet business and competes for platform/marketplace wallet integrations at much greater scale.
- Worldline: Major European payment processor providing acquiring, processing, and digital wallet services. Overlaps with Intersolve's regulated payment infrastructure; Worldline Mint is already an Intersolve integration partner.
- Adyen: Global payments platform serving enterprise merchants and platforms. Comparable in customer profile (large enterprise retailers, platforms) and increasingly relevant for embedded wallet/payment services competing with Intersolve's platform offering.
Direct peers
- Blackhawk Network: Global leader in branded gift card and prepaid payment solutions, distributing gift cards through retail networks worldwide. Directly comparable to Intersolve's gift card processing and distribution business and is already an Intersolve partner.
- InComm Payments: Major provider of prepaid and gift card processing, distribution, and technology solutions for retailers and brands. Closely comparable to Intersolve across the full gift card / prepaid value chain.
- Pluxee (Sodexo Benefits & Rewards): European prepaid benefits and engagement platform spun off from Sodexo, providing gift, meal, and lifestyle cards to employees. Comparable to Intersolve's gift card and loyalty offerings with overlapping retail and B2B customer base.
- Edenred: Global leader in prepaid corporate benefits (meal vouchers, gift, mobility). Directly competes with Intersolve in prepaid solutions for employers, governments, and merchants across multiple European markets.
Emerging players
- Swile: French employee benefits and payment card platform focused on digitizing meal vouchers and corporate benefits. Overlaps with Intersolve's gift card and social/government card use cases but concentrates on a younger, app-first employee benefits segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Intersolve social profiles
Digital presenceIntersolve compliance and trust
Trust signalCompliance3 records
Intersolve financial estimates
Financial estimateRevenue estimate
Valuation estimate
Intersolve leadership team
Management profileNumber of profiles
Profiles1 record
Intersolve funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Intersolve 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 Intersolve
What does Intersolve do?
Intersolve provides a programmable money platform that lets organisations issue and operate branded gift cards, configure loyalty and promotional programmes, distribute restricted social benefit cards, and embed regulated digital wallets, all under a Dutch Central Bank-issued Electronic Money Institution (EMI) licence. The platform combines prepaid card infrastructure, POS and PSP integrations, cash management, security (ISO 27001, ISAE 3402), and a smart business rule engine that controls who can spend, when, where, on what, and how. Intersolve sells these capabilities primarily to enterprises (governments, NGOs, brands, retailers, platforms) rather than to consumers.
Is Intersolve a public or private company?
Intersolve is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Intersolve founded?
Intersolve was founded in 1996. It employs 11 to 50 people.
Where is Intersolve based?
Intersolve is headquartered in Woudenberg, Netherlands, in the Europe region.
How does Intersolve make money?
Four revenue lines are on record. Gift Card Solutions are the primary driver. The others are loyalty & Promotions, digital Wallets and social Cards.
Who are Intersolve's main competitors?
Broad incumbents on record are Mastercard, Visa, PayPal, Worldline and Adyen. Direct peers are Blackhawk Network, InComm Payments, Pluxee (Sodexo Benefits & Rewards) and Edenred. Swile is listed as an emerging player.
Does Intersolve have an API?
No public API is recorded for Intersolve.
What industry is Intersolve in?
Intersolve's product category is Programmable money and prepaid payment infrastructure. Its primary akta.pro industry code is FSAMANAL, Gift Card Processing, Issuance Platforms & Aggregators. Its NAICS code is 522320 and its SIC code is 7372.