Card programs

Business cards for a smarter way to pay

Launch cards for HR benefits, advance on healthcare, and secure travel transactions - all while boosting your revenue.

Launch my card program

Powering the fastest-growing companies in Europe

Use cases

Find the right card program

Take employee perks into the digital age

We've combined meal vouchers, mobility benefits, and rewards into one easy-to-use platform—making life simpler for HR teams while boosting your bottom line.

  • Smart employee cards with daily meal allowances that follow local rules
  • Easy controls for travel and commuting benefits
  • See spending in real-time and control where cards work
  • Get physical or digital cards to employees right away
Learn more

Modernize healthcare payments

Give your policyholders a better way to handle medical expenses with our smart healthcare payment cards—offering both claim cards for instant co-payments and advance health cards for upfront costs.

  • Smart payment controls
  • Virtual cards for one-time payments
  • Real-time transaction monitoring
  • Automated SEPA direct debit for reimbursements
Learn more

Transform your travel payments

We've combined meal vouchers, mobility benefits, and rewards into one easy-to-use platform—making life simpler for HR teams while boosting your bottom line.

  • Single-use virtual cards with automated reconciliation and secure tracking
  • Branded company cards with real-time expense management and custom limits
  • All-in-one platform connecting bookings, digital wallets, and payment automation
  • Coming soon: 30-day deferred debit cards for enhanced cashflow management

Features

Cards built by experts, designed for your needs

Payment control

Custom spending rules based on amounts, merchant categories, and location.

Efficiency at scale

Issue virtual cards in bulk, manage cardholders, and adjust limits with our API.

Seamless onboarding

Ready-to-use account onboarding and identity verification process.

Almost instant spending

Custom spending rules based on amounts, merchant categories, and location.

Enhanced security

Swan cards use 3-D Secure—an extra security layer for online card payments.

Premium card features

Deferred debit or insurance coverage for certain expenses, cancellations, and more.

Benefits

A payment evolution with real business impact

  • Drive revenue
    Generate income from every transaction and from the funds held on your Swan accounts.
  • Increase retention
    Increase usage and drive loyalty by meeting your users’ business banking needs inside your platform.
  • Gain a competitive edge
    Strengthen your proposition and differentiate from alternatives by providing banking features.
  • Access better insights
    Offer smarter automation and enhanced financial services with access to transaction data.

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.

Talk to our team

A market-leading embedded banking experience

White-label, country-specific banking experiences directly inside your product.

A complex landscape, navigated with ease

Swan owns the local compliance, regulation, risk, and security infrastructure.

From roadmap to market success

A long-term partnership with expert guidance from integration to market launch, expansion, and beyond.

Customer stories

FAQ

It’s ok to have questions

01
What types of cards does Swan offer?

Swan provides both physical and virtual cards, including single-use virtual cards. Physical cards can be branded with your company's design, and all cards are compatible with digital wallets like Apple Pay and Google Pay.

02
How long does it take to receive physical cards?

Physical cards are typically delivered within 3-5 business days. We offer tracking capabilities to monitor the shipping status of cards.

03
How do I get extra revenue?

When your users make purchases with Swan cards, you receive a portion of the interchange fees generated from these transactions, creating an additional revenue stream for your business.

04
What security features are available for card management?

Swan offers comprehensive security features including:
- Customisable spending limits
- Merchant category restrictions
- Geographic transaction controls
- Real-time transaction monitoring
- Instant card freezing/unfreezing
- Advanced fraud protection measures

05
Can I integrate Swan cards with my existing platform?

Yes, Swan provides robust APIs and automated workflows that allow seamless integration with your existing systems, including expense management, accounting, and other business tools.

Ready to unlock the potential of your product?

Let’s make banking features a core strength of your proposition—helping you tap into new opportunities and making your platform indispensable for your business users.

Talk to our team