From Standard to Premium: The three-tier solution that makes your card “Top of Wallet”

When a software platform first adds banking features, offering a single type of card seems sufficient. But modern businesses don't operate with uniform spending patterns. Different roles require different capabilities, and different spending profiles demand different protections.The freelance consultant who travels frequently needs comprehensive travel insurance and higher limits, even working solo. The finance director managing international payments requires zero FX fees and high capacity, while the office manager needs reliable fraud protection for routine expenses. The challenge isn't company size. It's spending diversity.

That's where Swan's tiered Card Packages come into action, matching each spender's needs regardless of company size. The right card for the right spending profile, every time.

Unlocking growth without operational requirements

For software platforms building their products with embedded banking, Card Packages solves critical growth challenges that would traditionally require months of development, insurance negotiations, and ongoing operational management.

Capture and retain high-value customers by becoming their primary professional card

Without tiered offerings, you face an adoption barrier before churn even becomes an issue. Growing businesses with diverse spending needs won't open an account if your cards can't scale with them. They choose competitors from day one, and their high-value spending happens elsewhere.Card Packages changes this entirely. By offering solutions matched to every spending profile, you become the card of choice across the whole organization. The result? Higher customer acquisition, increased transaction volumes as high-value spending happens on your platform, and true top-of-wallet positioning.

Build trust and increase usage through comprehensive protection

Card trust fundamentally determines spending volume. When CFOs and finance leaders know their company spending is fully protected, they authorize your cards for high-value transactions without hesitation. When they don't trust the coverage, they restrict usage to low-risk expenses and route major payments through competitors, keeping your platform out of their most valuable transactions.

Adding insurance on Card Packages changes that. CFOs know employees travels are protected, purchases are covered, and fraud liability is eliminated. Every protected transaction reinforces that your card is the safe choice.

This trust translates directly into higher transaction volume and revenue. Customers consolidate spending onto your platform, and the three-tier structure lets you offer different tiers for different roles.

Instead of five identical cards with limited usage, you have multiple cards across three packages being used for every transaction. That’s higher monthly recurring revenue and higher interchange revenue from the same customer account.

Swan's solution: Three tiers for diverse spending needs

Card Packages is a pre-built three-tier card system that lets you serve the full spectrum of spending profiles within every customer account. It gives SMB banking and expense management softwares the flexibility to offer different types of cards to each customer, with features tailored to what they need, without any customization.

• Standard Package is designed for everyday operational spending and cost-conscious customers. With a €10,000 monthly limit, standard insurance coverage, and 2% FX fees, it's the reliable workhorse junior staff, office managers, and routine business expenses. It's competitively priced while delivering the core protection and spending power that modern businesses expect, including essential fraud protection.
• Essential Package steps up for team leaders and department managers who operate at scale. The €40,000 monthly limit accommodates substantial budgets without requiring executive approval for every significant purchase. Essential insurance coverage protects business travel and high-value purchases. FX fees drop to 1%, meaningfully reducing the cost of international operations. Essential Package positions perfectly between operational and executive tiers. It's the package for growing teams managing domestic operations and team budgets.
• Premium Package delivers true top-of-wallet positioning. With €100,000 monthly limits, zero foreign exchange fees, build-in insurance, and premium experience, this is the package that C-suite executives, CFOs, and revenue leaders reach for when stakes are high. Higher spending limits accommodate large recurring transactions like advertising campaigns and annual software licenses. Express DHL delivery ensures cards arrive when needed. Metal construction signals credibility in client meetings. Zero FX fees mean international operations don't come with a hidden tax.

While each card tier serves distinct spending needs, the real power lies in mixing them within a single organization. One company can issue different cards depending on spender profiles and needs, ensuring each employee or department has the right tools without over-provisioning or underserving any role.

Pre-built packages, zero complexity

As a licensed EMI with full passporting rights across the EEA, Swan handles all regulatory complexity, allowing you to focus on your core product. Each tier is pre-configured and ready to deploy.

The strategic decisions are tier positioning and pricing within Swan's framework. Some partners will offer all three packages to capture every segment. Others will focus on Essential and Premium to differentiate upmarket. Some will price aggressively to drive adoption, and others will position Premium Package as true luxury to maximize per-card revenue.

Card Packages gives you the flexibility to make those choices based on your customer segments and competitive positioning, without constraining you with technical complexity.

Launch fast, operate simply

Building a multi-tier card programme traditionally requires months of insurance negotiations, compliance work, billing infrastructure, and operational overhead, but Swan eliminates all of that.

You can launch premium card offerings in weeks without custom development or additional headcount. Card Packages can be activated through your Swan dashboard: you just have to configure your tier availability, set your branding, and go live; as simple as that.

We handle billing, insurance and cards’ stock management so you can focus on growing your business.

Premium features that drive top-of-wallet behaviour

The most valuable aspect of Card Packages isn't any single feature. It's how the premium features genuinely change customer behavior and make your card the smart choice for high-value transactions.

• Higher spending limits: Premium Package's €100,000 monthly capacity removes friction from large transactions. Essential's €40,000 limit accommodates team budgets and domestic operations without constant approval requests. These numbers are matched to real spending patterns at different business stages.
• Comprehensive business protection: Insurance fundamentally alters how customers use your card. Without insurance, corporate cards are fine for low-stakes purchases but risky for anything important. For Premium cardholders, the coverage aligns with the realities of running a scaling business. Full coverage for travel disruptions, fraud, purchase protection, rental vehicles, plus 24/7 assistance and emergency repatriation.
• Cost-effective international operations: FX fees create a shift for international operations. At 2% on Standard Package, foreign currency transactions are acceptable but noticeable. At 1% on Essential Package, they're competitive with most fintechs. At 0% on Premium Package, international transactions become completely frictionless and cost-effective.
• When your CFO is paying a $75,000 USD (€64,000) invoice to a software vendor, zero FX fees means €1,500 saved compared to Standard Package. This makes cross-border payments predictable and economical, essential for businesses operating across  markets or with international suppliers.
• Professional credibility: Premium metal card material with your branding enhances your product's image and customer loyalty, whilst trackable DHL Express delivery ensures secure, professional card distribution.

All these features drive a behavioral shift that matters: customers stop thinking "I'll use my personal card and expense it later", and start thinking "my corporate card actually covers this better than my personal card." That's top of wallet.

The competitive advantage

The future of embedded banking isn't about building more features; it's about offering the right features to the right customers without operational burden.

Card packages represent this move. They acknowledge that software platforms need sophisticated banking infrastructure that scales with their customers, without requiring them to become banking experts themselves.

Swan's approach makes this possible: pre-built packages, immediate availability, zero operational burden, and full regulatory compliance included.

You focus on serving your customers and growing your platform, and we handle the complexity of modern business banking.

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