Skills In Healthcare

What Skills In Healthcare does

Skills In Healthcare is a France-domiciled private company, founded in 1971 and headquartered in Courbevoie, that operates the BAN Transfer REST API — a card management and money transfer platform accessible at skills-in-healthcare.fr. The product is built on the ASP.NET Web API framework and exposes a broad surface of endpoints covering cardholder lifecycle management (creation, credential handling, favorites, profile updates), prepaid card operations (activation with optional load, balance inquiry including loyalty points, PIN management, card status control, reissue with shipping), multi-directional fund transfers (card-to-card, card-to-account, account-to-card), and international money transfer (quote generation, transaction processing, cancellation, office/agent location, remittance inquiry). Two core technology integrations underpin the platform: a Temenos T24 core banking connection for payment orders, party beneficiaries, and multi-currency account handling, and an Atrium webhook integration for real-time deposit and withdrawal notifications. The website serves primarily as API documentation rather than a traditional marketing surface, and the public-facing documentation carries development-template branding, suggesting the product may be in early or pilot commercialization rather than fully scaled.

The company serves three identified segments: financial institutions and card issuers (primary, needing prepaid card infrastructure), money transfer operators (requiring IMT capabilities with multi-correspondent support), and digital wallet providers (needing card-to-account and account-to-card transfer capabilities). Revenue is generated through configurable per-transaction fees on card operations, fund transfers, PIN and activation events, and IMT commission/exchange-rate margins; no public pricing is disclosed and no revenue figures are available. The operating footprint is anchored in France but extends into the United States and a remittance corridor covering Mexico, Central America, and several Caribbean markets.

A material data inconsistency should be noted for due diligence: the firmographic description characterizes the company as a pharmacy-brand consulting and marketing firm, while every other source — the website, API documentation, product taxonomy, revenue model, and partnership footprint — describes a fintech card and remittance API platform. This analysis is grounded in the latter body of evidence, which is the directly observable, first-party material.

Name

Skills In Healthcare

Legal name

Skills In Healthcare

Website

https://skills-in-healthcare.fr

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

51–100 employees

Short description

Skills In Healthcare operates the BAN Transfer REST API, a France-based card management and international money transfer platform built on ASP.NET and integrated with Temenos T24, serving financial institutions, money transfer operators, and digital wallet providers.

Ownership category

akta.pro rank

Product category

Card Management & Money Transfer API

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Card Issuing & Program Management Platforms (BPAMAFAH)

akta.pro secondary industries

Processor Back-End & Switch Providers (Issuer/Acquirer Processing Infrastructure) (FSAMABAJ), Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)

Keywords

• Card management API
• Prepaid card processing
• Money transfer API
• International remittance platform
• Financial services API

Headquarters

HQ city

Courbevoie

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations

Revenue model

1. Transaction Processing Fees: The platform generates revenue through transaction fees on card operations including balance inquiries, fund transfers (card-to-card, card-to-account, account-to-card), PIN changes, and card activations. Fee application is configurable per transaction via ApplyFee_Setting parameters.
2. Card Management Services: Revenue derived from card lifecycle services such as card activation (with optional loading), card reissue with shipping, and card status management. Fees can be applied for PIN-related operations.
3. International Money Transfer: IMT services including quote generation with commission calculation, exchange rate margins, and tax handling. Supports multiple correspondent destinations with varying commission structures and payment timeframes.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Skills In Healthcare, doing business as BAN Transfer, operates a RESTful API platform that exposes prepaid card lifecycle operations (cardholder creation and lookup, card activation with optional load, balance inquiry including loyalty points, PIN set/reset/SMS, status control, reissue) and fund transfer services (card-to-card sharing, card-to-account, account-to-card) for partner financial institutions. The platform also delivers International Money Transfer capabilities (quote with commission and exchange rate, transaction processing, office/agent location lookup, cancellation, remittance inquiry) and connects to Temenos T24 for core banking payment order processing and to Atrium webhooks for real-time event notifications.

Product overview

Skills In Healthcare offers a unified API platform centered on its BAN Transfer REST API. The core product provides comprehensive cardholder and card account management services through a RESTful interface built on ASP.NET Web API. The platform encompasses cardholder operations (profile management, credential handling, favorites), card account functions (activation, balance inquiry, PIN/satus control), financial transactions (fund sharing, payment orders, transaction history), and international money transfer capabilities via IMT endpoints.

Differentiator

Problem solved

Functional benefit

Products and services

• BAN Transfer REST API BAN Transfer is Skills In Healthcare's RESTful API platform that enables external systems to manage cardholders, cards, balances, and fund transfers through standardized endpoints. It provides cardholder lifecycle operations, prepaid card account functions (activation, balance inquiry with loyalty points, PIN management, status control, reissue with shipping), multi-directional fund transfer operations (card-to-card, card-to-account, account-to-card), transaction history with merchant details, and International Money Transfer (IMT) functionality including quote, transaction, cancellation, inquiry, and agent/office location lookup. It is targeted at banks, financial institutions, money transfer operators, and digital wallet providers who need card management and remittance infrastructure via API.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• AtriumcoreTechnology or IntegrationWebhook integration partner for receiving real-time transaction notifications. The Atrium webhook (api/webhook/AtriumData) receives notifications when users deposit or withdraw amounts from their accounts, enabling immediate balance updates and transaction reconciliation.
• Temenos T24coreTechnology or IntegrationCore banking system integration for processing T24 payment orders, retrieving party beneficiaries, and fetching T24 accounts by cardholder ID. Supports comprehensive payment payloads including forex rates, charges, and multi-currency transactions.

Recent moves5 records

Expansion highlights4 records

Direct peers

• Stripe Issuing: API-first card issuing product targeting platforms and fintechs that want to embed card programs with developer-friendly REST endpoints — highly comparable to BAN Transfer's API-first cardholder, balance, and transaction history services.
• Dwolla: Developer-first ACH and payment API for U.S. account-to-account transfers — closely aligned with Skills In Healthcare's API-first programmable money movement approach for enterprise fintech clients.
• Galileo Financial Technologies: Back-end card issuing and program management infrastructure for prepaid and debit cards, with deep core banking connectivity and multi-correspondent capabilities analogous to the T24-tied cardholder and payment order flows described in Skills In Healthcare's API.
• Marqeta: Card issuing and processing API platform that lets banks, fintechs, and brands launch and manage prepaid and debit card programs via REST endpoints — directly comparable to Skills In Healthcare's BAN Transfer card lifecycle and fund transfer surface area.
• Wise (TransferWise): Cross-border money transfer platform providing quote, transaction, and multi-currency account services that mirror the IMT quote, IMT transaction, and multi-currency endpoints in Skills In Healthcare's API.
• Remitly: Digital remittance provider with strong LatAm/Caribbean corridor exposure and money transfer APIs; comparable to the IMT and card-to-card remittance capabilities that Skills In Healthcare exposes in its BAN Transfer API.

Broad incumbents

• Payoneer: Established cross-border payments platform serving SMBs, marketplaces, and freelancers with multi-currency receiving and payout services — broader portfolio but overlapping cross-border and card-linked capabilities with BAN Transfer.
• FIS (Worldpay): Large-scale merchant acquiring and processor providing back-end switching and payment infrastructure across many geographies; adjacent to Skills In Healthcare's processor back-end and card management capabilities.

Emerging players

• Treasury Prime: Banking-as-a-service platform with deep core banking integrations and card program APIs aimed at fintechs and embedded finance use cases — comparable technology layer to Skills In Healthcare's Temenos-integrated card issuing stack.
• Token (Token.io): Open banking payment initiation and account-to-account transfer platform serving European banks via APIs — comparable programmable money movement surface area and enterprise bank client focus to BAN Transfer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Skills In Healthcare