123TCS

What 123TCS does

123TCS is a Netherlands-based private ICT services provider specializing in the automation of gift card, e-voucher, and loyalty card operations for retail chains, branch organizations, and cross-industry card programs. Headquartered in Breukelen, the company explicitly positions itself as a neutral facilitator of its clients' commercial interests rather than a participant in the underlying money flows, and it does not trade in its clients' gift cards. Its active markets are the Netherlands, Belgium, and Germany.

The core product is the Cardbase platform, which the company describes as the most modern card management system in the Netherlands and possibly Europe. Cardbase operates fully multichannel across POS, online, and other retail channels, supports multicurrency transactions, and is designed for international deployment. Functional modules include merchant data management, automated generation and verification of card numbers with internet verification codes, fixed and open value card management with expiry dates, real-time top-up and redemption transaction processing, franchise and external sales support, and B2B and web order reporting tools. The platform connects to more than 100,000 POS terminals across more than 50 different POS systems, and is integrated with multiple payment service providers (Adyen, MultiSafepay, Worldline, Buckaroo, ICEPAY, emerchantpay, CM, PAY), payment terminal vendors (Ingenico, CCV, Worldline), and e-commerce platforms (WooCommerce).

The business model is a subscription/recurring ICT services revenue stream focused on platform facilitation. The company pursues a sales-led go-to-market, engaging enterprise retail clients directly via phone, email, and website-initiated meetings. No pricing tiers, revenue figures, funding history, ownership structure, or customer logos are publicly disclosed. The company operates with 1-10 employees.

Name

123TCS

Legal name

123TCS

Website

https://123tcs.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

123TCS is a Dutch ICT services provider operating the Cardbase platform to automate gift card, e-voucher, and loyalty card processes for retail chains and branch organizations across the Netherlands, Belgium, and Germany.

Ownership category

akta.pro rank

Product category

Gift Card and Loyalty Program Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Prepaid Reload Networks & Distribution (Retail Top-Up) (FSAMANAO)

akta.pro secondary industries

Card Issuing Platforms (Issuer Processing) (FSAGABAD), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Gift card platform
• Loyalty card software
• Voucher management system
• POS integration services
• Retail card processing

Headquarters

HQ city

Breukelen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. ICT Services - Platform Facilitation: 123TCS provides ICT services for automating gift card, (e)-voucher, and loyalty card processes. The company emphasizes it will never enter the commercial interests or money flows regarding gift, savings, and action cards of its clients, but rather facilitates every possible ambition of the client for the sale and distribution of their gift cards.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

123TCS provides ICT services built around its Cardbase platform for the full automation of gift cards, (e)-vouchers, and loyalty cards, including merchant data management, card number and internet verification code generation, fixed- and open-value cards with expiry dates, and real-time top-up and redemption transaction processing. The platform operates multichannel (in-store, online, franchise/external sales) and is integrated with more than 100,000 point-of-sale terminals across 50+ POS, PSP, and distribution partner systems in the Netherlands, Belgium, and Germany.

Product overview

123TCS is a unified ICT platform offering complete giftcard, e-voucher, and loyalty card solutions for retail chains, branch cards, and cross-branch cards. The core 123TCS Platform provides real-time transaction processing, multi-currency support, and international deployment capabilities. The platform consists of integrated modules including digital card/e-voucher delivery via email, merchant management, card number generation with internet verification codes, fixed and open-value card support, transaction processing (top-up and redemption), franchise and external sales support, and B2B/web order processing tools. The platform connects to over 100,000 POS terminals across 50+ systems in the Netherlands, Belgium, and Germany. The platform is positioned as the most modern system for gift, savings, and promotional cards in the Netherlands and possibly Europe.

Differentiator

Problem solved

Functional benefit

Products and services

• Cardbase Gift, Voucher and Loyalty Card Platform Subscription-based ICT platform that automates and processes in real time the full lifecycle of gift cards, e-vouchers, and loyalty cards for retail chains and branch / cross-industry card programs, covering merchant data management, card number and internet verification code generation, fixed- and open-value cards with expiry dates, and top-up and redemption transactions across in-store, online, franchise, external, and B2B / web order channels. Sold to retail chains, branch card programs, and cross-industry card program operators in the Netherlands, Belgium, and Germany.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration56 records

Feature8 records

Partnerships

53 partnerships are on record, tiered core, major and minor.

• NCRcoreTechnology or IntegrationPOS (Point of Sale) integration partner. NCR provides retail POS technology that is integrated with 123TCS's Cardbase platform for gift card, voucher, and loyalty card processing.
• FujitsucoreTechnology or IntegrationPOS integration partner. Fujitsu provides retail POS technology integrated with 123TCS's platform for seamless gift card and loyalty card transaction processing.
• Orisha CommercecoreTechnology or IntegrationCommerce technology integration partner, part of the Cowhills group, integrated with 123TCS platform for retail card processing.
• CTACcoreTechnology or IntegrationPOS and retail technology integration partner integrated with 123TCS's Cardbase platform.
• CocosoftcoreTechnology or IntegrationRetail POS system integration partner connected to 123TCS platform.
• OctoposcoreTechnology or IntegrationPOS system integration partner for retail gift card and loyalty processing.
• Digi AccesscoreTechnology or IntegrationPOS integration partner connected to 123TCS platform.
• easyPoscoreTechnology or IntegrationPOS integration partner integrated with 123TCS's Cardbase platform.
• K3coreTechnology or IntegrationRetail technology partner integrated with 123TCS platform for gift card processing.
• MicrocashcoreTechnology or IntegrationCash handling and POS integration partner for 123TCS platform.
• RetailvistacoreTechnology or IntegrationRetail technology integration partner.
• RetailstarscoreTechnology or IntegrationRetail technology partner integrated with 123TCS platform.
• SRScoreTechnology or IntegrationRetail POS integration partner.
• SofindevcoreTechnology or IntegrationPOS and retail technology integration partner.
• Valk SolutionscoreTechnology or IntegrationRetail technology partner integrated with 123TCS platform for gift card processing. Also listed as PSP integration partner.
• VenditcoreTechnology or IntegrationPOS integration partner for retail card processing.
• ACAcoreTechnology or IntegrationRetail technology integration partner.
• AXIcoreTechnology or IntegrationRetail technology integration partner.
• BOVERTIScoreTechnology or IntegrationRetail technology integration partner.
• MplusKassacoreTechnology or IntegrationPOS integration partner for cash register and retail solutions.
• PoviscoreTechnology or IntegrationRetail technology integration partner.
• ANWBmajorChannel Partner/ Reseller/ DistributorDistribution partner for gift cards. ANWB is a major Dutch organization offering travel and roadside assistance products, distributing gift cards through 123TCS platform.
• Blackhawk NetworkmajorChannel Partner/ Reseller/ DistributorDistribution partner for gift cards. Blackhawk Network is a global leader in gift cards, distributing through 123TCS platform.
• PrimeracoreChannel Partner/ Reseller/ DistributorDistribution partner for gift cards in the Dutch market.
• LekkerlandcoreChannel Partner/ Reseller/ DistributorDistribution partner for gift cards, specializing in convenience retail distribution.
• ConwaycoreChannel Partner/ Reseller/ DistributorDistribution partner for gift cards in the Belgian market.
• epaycoreChannel Partner/ Reseller/ DistributorPayment and gift card distribution partner operating in the German market.
• ICPcoreChannel Partner/ Reseller/ DistributorGift card distribution partner (ICP Companies) through 123TCS platform.
• DappreminorChannel Partner/ Reseller/ DistributorGift card distribution partner.
• GivaCardcoreChannel Partner/ Reseller/ DistributorGift card distribution partner in the Dutch market.
• giftcards.groupcoreChannel Partner/ Reseller/ DistributorGift card distribution partner operating across Europe.
• TixwayminorChannel Partner/ Reseller/ DistributorGift card and voucher distribution partner.
• H@ndminorChannel Partner/ Reseller/ DistributorGift card distribution partner.
• Makro KerstpakkettencoreChannel Partner/ Reseller/ DistributorCorporate gift and Christmas package partner, distributing gift cards through 123TCS platform.
• FeelingzminorChannel Partner/ Reseller/ DistributorGift card partner for experience-based gifts.
• Green Gift BoxminorChannel Partner/ Reseller/ DistributorSustainable/sustainable gift card partner.
• BongocoreChannel Partner/ Reseller/ DistributorGift vouchers and experience gift partner, distributing through 123TCS platform.
• TintelingenminorChannel Partner/ Reseller/ DistributorGift card partner for experience-based gifts.
• PluimenminorChannel Partner/ Reseller/ DistributorGift card partner for premium gifts.
• More Than GiftsminorChannel Partner/ Reseller/ DistributorCorporate gift partner.
• MijnEigenKadootjeminorChannel Partner/ Reseller/ DistributorPersonalized gift card partner.
• STERKADOminorChannel Partner/ Reseller/ DistributorGift card partner.
• AdyenmajorTechnology or IntegrationPSP (Payment Service Provider) integration partner for payment processing. Adyen provides global payment technology integrated with 123TCS platform.
• WooCommercecoreTechnology or IntegrationE-commerce platform integration partner for online gift card sales.
• MultiSafepaycoreTechnology or IntegrationPSP integration partner for Dutch payment processing.
• PAYcoreTechnology or IntegrationPSP partner for payment processing in the Netherlands.
• BuckaroocoreTechnology or IntegrationPSP integration partner for payment processing.
• CMcoreTechnology or IntegrationPSP partner for payment and messaging services.
• ICEPAYcoreTechnology or IntegrationPSP integration partner for payment processing.
• emerchantpaycoreTechnology or IntegrationPSP partner for international payment processing.
• IngenicomajorTechnology or IntegrationPayment terminal (Pin) and EGI integration partner. Ingenico provides payment terminal hardware integrated with 123TCS platform, listed under both Pin and EGI categories.
• CCVmajorTechnology or IntegrationPayment terminal (Pin) integration partner. CCV provides payment terminal hardware integrated with 123TCS platform.
• WorldlinemajorTechnology or IntegrationPayment terminal (Pin) integration partner. Worldline provides payment terminal hardware integrated with 123TCS platform.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• SVM Cards: Specialized gift card, prepaid, and loyalty card processor serving retailers and corporate clients - a comparable mid-sized platform with similar feature set.
• Stored Value Solutions (SVS): SVS is a US-based gift card program management and processing platform serving retailers and distributors - directly comparable offering to 123TCS's automated gift/voucher processing.
• Givex: Givex provides a gift card, loyalty, and stored-value platform for multi-unit retailers with POS integrations globally - the closest direct functional competitor to 123TCS's Cardbase.
• PayComplete: European provider of prepaid, gift card, and voucher processing technology for retail and distribution - directly comparable platform offering to 123TCS.
• Novatti Group: Australia-listed prepaid, gift card, and payments platform with European operations; comparable stored-value and voucher processing capabilities for retailers and distributors.

Broad incumbents

• Blackhawk Network: Global leader in physical and digital gift card distribution and processing, serving retailers and brands at much larger scale; listed as 123TCS's distribution partner but also a broad incumbent in the same space.
• InComm Payments: Major prepaid, gift card, and stored-value processor with global retail relationships; broader portfolio but overlapping product capabilities with 123TCS's platform.

Emerging players

• Cashstar (Blackhawk): Digital gift card platform for retailers, now part of Blackhawk Network; comparable e-gift and digital voucher processing focus to 123TCS's digital cards feature.
• GiveDirectly / Tillo (Blackhawk): Digital gift card distribution and API platform connecting retailers, brands, and resellers in Europe - overlapping with 123TCS's voucher/e-gift distribution flow.

Regional players

• Qikcard: Dutch gift card and prepaid platform focused on the Netherlands - a regional peer operating in 123TCS's home market with comparable stored-value capabilities.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/tcs-b-v

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 123TCS