Embedded banking for financial solutions

Build the financial flow of your customer’s dreams while generating new revenue streams. Launch embedded accounts, payments and cards within days using Swan.
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Behind Europe's next-generation financial solutions
Agicap
Pennylane
Tellow
Expensya
Aria
Agicap
Pennylane
Tellow
Expensya
Aria
3x
your average revenue per user
70%
faster invoice processing

Become your customers’ financial operating system

No more bouncing back and forth between your platform and banking apps. Here's what a frictionless financial journey could look like for your customers — all in one interface.
your logo
YourBrand
's Dashboard
Allow your customers to accept payments via direct debit. Payment links, card acceptance, and more are coming faster than you can say SEPA instant!
Provide your own branded company cards with different spending limits and extensive payment control. Enable clients to minimize external fraud risk by issuing dynamic virtual cards for one-time payments or physical cards for employee and team expenses.
Add a "Pay Invoice" button to your product and let your customers pay bills in just one click. Natively integrated bank accounts and SEPA payments make this not only possible, but easy.
Let your customers assign one dedicated IBAN per client and automatise the matching process between invoices and payments. Faster end-of-month closing AND accurate spending reports.
Get paid by customers
Manage expenses
Pay suppliers
Automate reconciliation
prototype
YourBrand
's Dashboard
your average revenue per user
Get paid by customers
Allow your customers to accept payments via direct debit. Payment links, card acceptance, and more are coming faster than you can say SEPA instant!
Manage expenses
Provide your own branded company cards with different spending limits and extensive payment control. Enable clients to minimize external fraud risk by issuing dynamic virtual cards for one-time payments or physical cards for employee and team expenses.
faster invoice processing
Pay suppliers
Add a "Pay Invoice" button to your product and let your customers pay bills in just one click. Natively integrated bank accounts and SEPA payments make this not only possible, but easy.
Automate reconciliation
Let your customers assign one dedicated IBAN per client and automatise the matching process between invoices and payments. Faster end-of-month closing AND accurate spending reports.
You can play with the prototype

Banking features so sophisticated they are surprisingly easy.

Swan offers you a complete banking toolkit so you can build your best product.
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
tab placeholder
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
tab placeholder
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
tab placeholder
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
tab placeholder
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
tab placeholder
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
tab placeholder
SEPA Direct Debit
Collect instant one-off or automated recurring payments both from business or individual accounts (SEPA Direct Debit B2B and Core).
SEPA Direct Debit
SEPA Credit Transfer
Send and receive transfers in euros between accounts in the SEPA zone (all EU countries + the UK, Iceland, Lichtenstein, Norway, and Switzerland).
SEPA Credit Transfer
Instant SCT
Send and receive transfers within seconds, instead of days. Lighting fast payments means real-time financial data, instant approvals, and more.
Instant SCT
Batch SCT
Pay multiple vendors at the same time with batch SEPA transfers. Just choose who you want to pay and how much, and we handle the rest.
Batch SCT
Standing orders
Easily set up recurring payments by scheduling outgoing SEPA Credit Transfers or SEPA Instant with a one-time consent.
Standing orders
Account funding
Pull payments via SEPA Direct Debit to credit your Swan account by adding a recurring funding source. You can even set up smart rules: define a minimum balance and when the account balance falls below this threshold, automatically initiate a scheduled deposit to top-up the account automatically.
Account funding
Local IBANs
Offer local accounts and IBANs starting with FR, DE, ES, NL and soon IT Strengthen your brand with banking accounts your customers trust.
Local IBANs
Virtual IBANs
Assign one IBAN per customer and use it as an identifier when receiving payments — great to automate the tedious task of accounts reconciliation. Do you need 10,000 IBANs a day? No problem. Swan lets you assign limitless virtual IBANs.
Virtual IBANs
Physical cards
The good old plastic cards we all know. They can be used at sales points with any of the usual methods: swipe, chip + PIN code, or contactless.
Physical cards
Virtual cards
Whenever a card is issued, a virtual card number is instantly created and can be used anywhere online. Cards can be added to a digital wallet and are enabled for in-store payments via Apple Pay or Google Pay.
Virtual cards
Payment links (soon!)
A payment link is a URL, button or QR code that you can share directly with your customer. When they click or scan, it effortlessly directs them to a secure checkout page, streamlining the process of requesting and accepting online payments.
Payment links (soon!)
International Credit Transfer
Easily set up recurring payments by scheduling outgoing SEPA Credit Transfers or SEPA Instant with a one-time consent.
International Credit Transfer
Join the embedded banking movement.
Give your customers an experience so smooth they don't even notice financial steps.
Banking becomes invisible.
Talk to an expert
Swan's know-how responds to the operational requirements of our profession, where stakes are high and workflow issues complex. The ease of integration and quality of the technical documentation has been a delight for our tech team!
Vincent Folny
,
COO & Co-founder at Aria
customer logo
In just a few days, the Pennylane Wallet was able to go live and our customers could transfer money and start paying their bills. Swan enables us to add features step by step, depending on user feedback. They’re exactly the partner we were looking for. Truly game changing in the industry!
Tancrède Besnard
,
Co-Founder & Product at Pennylane
custom logo
With payments being a more operational feature in our product, we’re having not only CEOs and CFOs as users, but also financial teams dedicated to paying invoices and salaries, who are coming to Agicap on a daily basis and this definitely increases stickiness.
Joseph Roulleaux-Dugage
,
Product Manager at Agicap
custom logo
By providing cards and new ways to manage expenses, our customers get more value. This positions Expensya as an end-to-end expense platform, and while our customers get a way better experience, it’s also good for business. We’re getting great lead generation, and also more revenue.
Agi Dhima
,
Head of Operations for Payments at Expensya
custom logo
Swan's know-how responds to the operational requirements of our profession, where stakes are high and workflow issues complex. The ease of integration and quality of the technical documentation has been a delight for our tech team!
Vincent Folny
,
COO & Co-founder at Aria
custom logo

Customer Stories

Elevate your product, and your business!
Achieve the finest UX

When all payments are executed in one place, it becomes much easier for users to keep track of what’s paid, what’s due, and what’s late.

Boost customer acquisition

Banking services are a high-value add-on. 85% of small businesses would like to see payments integrated into their invoicing, accounting, and treasury management tools.

Unlock new revenue streams

Diversify your offer and benefit from higher subscription revenue and interchange fees. Generate income per user and per account.

Increase stickiness

Weekly banking operations boost engagement and reduce churn risk by increasing customer reliance on your systems.

FAQs

What kind of banking features can I embed into my product?

Almost every type of financial service is embeddable. Swan has three core banking products: accounts, cards, and payments. You can offer your customers accounts, many types of payment cards, and the ability to send or receive payments via the SEPA network, and more!

What resources are required to launch embedded banking?

Partnering with a Banking-as-a-Service provider like Swan means you can launch your banking product in a matter of weeks at a fraction of the cost of working with a traditional bank. Since Swan handles the tricky compliance stuff like KYC, AML, and transaction monitoring, you don’t have to spend the time and money building a dedicated banking team in-house.

How does embedded banking allow me to triple my revenue?

Banking features enable you to further monetize hard-won customers. You’ve done a lot to get your customer on board. By offering them financial products when they need it and how they want it, you can increase revenue through shared interchange, higher subscription fees, and more.

What is the difference between embedded banking and Banking-as-a-Service?

Embedded finance is an activity a company does to add product depth by delivering financial services to their customers at their points of need. Embedded banking is a subset of embedded finance. Embedded banking usually refers to more traditional products offered by companies, such as accounts, debit cards, and payment services. Banking-as-a-Service is a delivery method for financial products from regulated entities to non-regulated ones. Providers like Swan sell Banking-as-a-Service to other companies.

Let's talk.

Curious about embedded banking features? Want to discuss the vision you have for your product? Just fill out this form and we'll get in touch.

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