Send payments
Own every payment your users make
Every transfer, card spend, and international payment stays in your platform. You keep the context, the data, and the revenue.
Impulsamos a las principales plataformas B2B europeas
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Make payments native to the work flow.
Turn every transaction into value.
Payments belong in your platform
When users leave your platform to make a transfer, you lose context, data and trust. With Swan, payments stay native: suppliers get paid, invoices are approved, and spend is tracked without switching tools.
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Transaction data that unlocks smarter automation
Match and reconcile transactions with less manual work for your users. No more export marathons, fewer “missing transaction” tickets, and a cleaner month-end close.
A new revenue stream, built into your core flow
Monetize the payments your users already make, including transfers, card spend, and international payments. Clear ROI, driven by day-to-day payment volume.
Swan en cifras
Tu éxito es nuestro éxito.
Desde una mejor experiencia de usuario y mayor fidelización, hasta productos más competitivos y nuevas oportunidades de ingresos: juntos impulsamos tu negocio hacia el futuro.
€2B
transfers processed monthly
+30k
cards issued monthly
€30M
international payment monthly
Beyond a payment button: embed the full payments experience
Aumenta tus ingresos y simplifica operaciones con tarjetas de viajes que integran perfectamente reservas, pagos y gestión de gastos.
- Payments are executed inside your product
- Controles sencillos para beneficios de desplazamiento y viajes
- Supervisa los gastos en tiempo real y establece dónde se pueden usar la tarjetas
- Consigue tarjetas físicas o virtuales para tus empleados al instante
- Built for high payment volumes
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Ofrece a los asegurados una forma más eficiente de gestionar los gastos médicos con nuestras tarjetas inteligentes de asistencia sanitaria: elige entre tarjetas de copago instantáneo y tarjetas de financiación anticipada.
- Controles de pago inteligentes
- Tarjetas virtuales para pagos puntuales
- Seguimiento de transacciones en tiempo real
- Adeudos directos SEPA automáticos para los reembolsos
- Fragile at scale
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The bank owns the payment experience
Your users step outside your product to complete a payment. Every friction point along the way is one you can't control, fix, or learn from. And as your business grows, so does your dependency on infrastructure you don't own.
- Payments are executed by the user’s bank
- Bank redirect for every payment
- Bank login and SCA every payment
- Depends on bank APIs
- Fragile at scale
Benefits
All the payout flows your users need
SEPA Transfers
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Corporate Cards
International Payments
Premium card
Cards that match spenders’ needs
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Payments work best when they go both ways
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Local Accounts
Give every user a local IBAN in their country. The account infrastructure that makes embedded payments possible.
Accept Payments
Collect incoming payments from customers via transfers, online or in-person card. Close the loop on your users' financial workflows.
Preguntas frecuentes
Está bien tener preguntas
What’s the difference between initiating payment with Open Banking or embedding banking?
Payment initiation via Open Banking lets you trigger a transfer from a user's existing bank account. It sounds simple, but it comes with real structural limits.
- Reliability: PIS flows via third-party providers average around 47% rejection rates. For a platform handling supplier payments at scale, that's not a viable foundation
- Bulk payments: Open Banking doesn't work well for multi-payment runs, supplier batches, or recurring flows — precisely the use cases that matter most for accounts payable automation.
- Read-only by nature: Open Banking connects to your users' external accounts, but your users can't fully act from your platform. They can't receive payments, manage their cash, or reconcile automatically.
- No real-time reconciliation: Without a native IBAN in your product, transaction data still depends on a third-party bank's sync cadence. There's no automatic matching.
With natively embedded payments, the account lives inside your platform. It's always connected, updated in real time, and fully actionable — your users can pay, receive, and manage without ever leaving your product. Reconciliation is automatic via virtual IBANs.With e-invoicing becoming a legal requirement across Europe, the need for real-time data reliability and seamless payment flows will only grow. Open Banking aggregation won't be sufficient. Embedded banking is the only model that delivers on that promise.
Can payments be automated?
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How does reconciliation work?
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How long does it take to integrate?
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Is embedded banking compliant with e-invoicing regulations?
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Payments belong where the work already happens.
Businesses across industries are embedding financial services directly into their platforms, creating seamless, integrated experiences for their users.The future of finance is embedded, the future of your product is with Swan.
