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.

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Diamo slancio alle principali piattaforme B2B in Europa

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.

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 in numeri

Il tuo successo è il nostro successo

Migliora l'esperienza utente, aumenta la fidelizzazione e sblocca nuove fonti di guadagno. Con Swan, trasformi il banking in una leve strategic di crescita.

€2B

transfers processed monthly

+30k

cards issued monthly

€30M

international payment monthly

Beyond a payment button: embed the full payments experience

Semplifica la gestione operativa e incrementa i ricavi con carte pensate per le trasferte di lavoro dei dipendenti: integra prenotazioni, spese e pagamenti in un’unica soluzione.

Payments are executed inside your product
Controlli intuitivi per benefit legati a trasporti e mobilità.
Monitoraggio in tempo reale e gestione delle aree di utilizzo.
Carte fisiche o digitali consegnate ai dipendenti all'istante.
Built for high payment volumes

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Offrite ai vostri assicurati un modo migliore per gestire le spese mediche con le nostre carte di pagamento sanitarie intelligenti, che offrono sia carte per i sinistri per i ticket istantanei sia carte sanitarie anticipate per i costi iniziali.

Controlli di spesa avanzati.
Carte virtuali per pagamenti una tantum.
Monitoraggio delle transazioni in tempo reale.
Addebito diretto SEPA automatizzato per i rimborsi.
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

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Benefits

All the payout flows your users need

SEPA Transfers

Enable SEPA Credit Transfers and Instant payments. Make bulk payments with a single consent, automate recurring flows with standing orders.

Corporate Cards

Issue virtual and physical Mastercard debit cards with custom spending controls per user or team. Transactions are matched automatically, eliminating the end-of-month reconciliation scramble.

International Payments

Go further than SEPA. Let your users initiate international transfers via SWIFT, directly from your platform, as seamless as domestic payments. One API integration, multi-currency support, and global reach.

Premium card

Cards that match spenders’ needs

Three-tiers card offering that match spenders profile. Assign the right card to each team member, from Standard cards for employee day to day expenses to Premium cards for executives managing department budget.

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Payments work best when they go both ways

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.

FAQ

Domande frequenti

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.

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SWAN è una società per azioni semplificata (SAS) iscritta al Registro del Commercio e delle Società di Parigi con il numero 853 827 103, con sede in 91 rue du Faubourg Saint-Honoré 75008 Parigi, FRANCIA, e rappresentata dal suo presidente Nicolas Benady.
Swan è un istituto di moneta elettronica autorizzato dall'Autorité de Contrôle Prudentiel et de Résolution (ACPR) francese, con l'identificativo REGAFI 86245 e il codice identificativo 17328 K, con autorizzazione concessa il 04/06/2020.
Tutti i fondi dei clienti detenuti da Swan sono salvaguardati nel pieno rispetto delle normative applicabili. Questi fondi sono separati e depositati presso il nostro partner bancario, BNP Paribas. Nell'improbabile eventualità di insolvenza di BNP Paribas, i depositi dei clienti sono protetti dal Fondo francese di garanzia e risoluzione dei depositi (FGDR) fino a 100.000 euro per cliente, offrendo un ulteriore livello di sicurezza finanziaria.