“Can a global employee gifting and swag platform become the default financial rewards layer that HR teams embed into their existing people operations stack?”
PerkUp started as an employee perks and gift card issuance platform, enabling HR teams to fund pre-loaded cards for wellness, home office, and other lifestyle benefits. The product expanded into a full global employee gifting and swag platform — now covering swag kits, on-demand and bulk branded merchandise, warehousing, and gift card catalogs of 5,000+ options across 100+ countries. The embedded finance angle centers on the PerkUp Visa Card (prepaid card issuance) and global payouts via Wise for customs reimbursements, with HRIS integrations (via Finch) as the connective tissue between HR systems and rewards distribution.
PerkUp uses Wise for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 2 layers in PerkUp's stack: Unified APIs (Finch); FX & payouts (Wise).
PerkUp is founded in 2021 and headquartered in United States.
Get a read on where your own stack stands against PerkUp and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.