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.
Au service des entreprises européennes les plus prometteuses.
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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 quelques chiffres
Votre réussite est notre réussite
Meilleure expérience utilisateur, fidélisation renforcée, produit plus compétitif, nouvelles sources de revenus… Ensemble, nous allons plus loin.
€2B
transfers processed monthly
+30k
cards issued monthly
€30M
international payment monthly
Beyond a payment button: embed the full payments experience
Nous regroupons titres-restaurants, aides à la mobilité et avantages d’entreprise dans une seule plateforme simple à utiliser, pour faciliter la vie des RH tout en améliorant votre rentabilité.
- Payments are executed inside your product
- Contrôles faciles pour les avantages liés aux voyages et aux déplacements domicile-travail
- Visualisation des dépenses en temps réel et contrôle des usages par carte
- Déploiement rapide de cartes physiques ou virtuelles aux employés
- Built for high payment volumes
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Offrez à vos assurés un meilleur moyen de régler leurs frais médicaux grâce à nos cartes de paiement intelligentes, qui proposent à la fois des cartes de tiers payant pour régler immédiatement, et des cartes d’avance santé pour les frais à engager.
- Contrôles de paiement intelligents
- Cartes virtuelles pour les paiements ponctuels
- Suivi des transactions en temps réel
- Prélèvement SEPA automatisé pour les remboursements
- 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.
FAQ
C'est normal d'avoir des questions
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.
