HRMS & HR Tech companies
One HR platform.
All money flows.
Expenses, salaries, benefits, and cash flow: all embedded, all monetized. From first employee spend to full payroll control.
Powering the fastest-growing companies in Europe
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Results
Your platform earns while it runs.
New revenue, without changing your core business
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Users who never leave
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Compliant across Europe, out of the box
Every HR financial workflow. One integration.
Power your platform. Elevate HR & employees' experience.
Employee expenses that run themselves
Employees spend on company cards with built-in controls, approvals happen instantly, and finance teams stay in control. No email chains, no manual tracking, no reimbursements.
Benefits that work for every employee
Meal vouchers, mobility cards, gift cards, wellness budgets: fully embedded in your product.
Compliant with local regulation where you operate. HR teams manage everything centrally. Employees just tap and go.
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Financial flexibility before payday
Give employees access to earned wages when they need them.
Connect it to payroll data and automatically reconcile payroll cycles, without adding operational complexity. Your platform becomes the financial system employees can rely on.
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One click. Salaries paid.
Move from calculating payroll to running it, directly from your platform with a native Pay Salaries flow.
Automate payouts, batch transfers, and account funding without exports or bank redirects. Control salary every payout, end to end.
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Partnership
A partnership for long-term success
Embedded banking isn’t just another feature, it’s the next evolution of your product. As a Swan partner, you access our expertise to turn complexity into capability and potential into performance.
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A market-leading embedded banking experience
White-label, country-specific banking experiences directly inside your product.
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A complex landscape, navigated with ease
Swan owns the local compliance, regulation, risk, and security infrastructure.
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From roadmap to market success
A long-term partnership with expert guidance from integration to market launch, expansion, and beyond.
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Customer stories
Learn more about embedded banking for Industry
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FAQ
It’s ok to have questions
Where should I start?
Most HR platforms start with expense management. It uses company funds, has high daily frequency, and drives fast adoption among employees. Revenue kicks in immediately. Once expenses are live, benefits and salary advance are the natural next step before moving to full payroll automation.
What is the deployment path to embed all use cases?
The path is modular and proven:
- Expenses (entry point): fast adoption, high frequency, immediate revenue
- Benefits (expansion): broader workforce usage, strong revenue in local markets
- Salary advance (flexibility): connects to payroll data, deepens employee engagement
- Payroll (infrastructure): low frequency but maximum dependency — makes your platform mission-critical
You don't have to do everything at once. Most partners add use cases step by step.
How do expense cards work inside my platform?
Employees get physical or virtual debit cards (branded with your logo) with spending limits and merchant controls you define. Transactions appear in real time inside your product. No redirect to a bank, no external app. The expense flow lives entirely in your UX.
Which employee benefits can I offer?
Meal vouchers, mobility and commuting subsidies, gift cards, wellness budgets, culture cards. Swan adapts to country-specific benefit regulations across France, Germany, Spain, Italy, and Belgium, so you stay compliant without building that complexity yourself. Learn more here.
How does payroll automation work technically?
Your platform triggers a batch transfer event when payroll is ready. Swan executes salary payouts via SEPA, drawing funds from the company's external account. Employees are paid directly from your platform: no manual export, no bank login, no friction.
What is a salary advance, and how is it different from payroll?
Salary advance lets employees access a portion of their earned wages before their usual payday. It's a standalone product that sits alongside payroll, not a replacement. It improves employee financial well-being and significantly increases daily engagement with your platform.
Can I generate revenue from these features?
Yes. Swan's revenue-sharing model lets you earn from card interchange fees, account management fees, and interest on deposits. The more your users transact, the more you earn, with no change to your core HR product business model.
Ready to make your platform indispensable?
Let's build the HR Super-app your customers have been waiting for.
