Accept Payments
Be the platform where your users actually get paid
Let users get paid online, on the go, or in person—anytime. Funds land directly in their account, matched automatically, and ready to fuel payouts.
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Powering the fastest-growing companies in Europe
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Make incoming payments native to the workflow
Turn every euro received into value.
All the ways your users get paid
Give users every way to collect payments: — online, in person, or by bank transfer. Funds are centralised in a single account, and the experience lives inside your platform.
Reconciliation that happens by default
Assign one virtual IBAN per client. Payments are matched on arrival: no export, no manual cross-referencing, no reconciliation backlog.
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No fragmented payment stack
Keep incoming funds, balances, and reporting in one place. Swan makes cash visibility clearer and money management simpler — with no extra onboarding.
Tap to pay
From tap to reconciled payments, inside your product
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Payment methods
Progressively complete your Accept Payments suite
Online Cards & Payment link
Accept card payments online or send instant, shareable payment links.
SEPA Direct Debit
Collect recurring or one-off payments from any account across the SEPA zone.
Internal Direct Debit
Steamline payment collection between Swan accounts instantly.
Tap to pay
Coming soon — Support regional payment preferences and habits across Europe.
POS & Terminals
Coming soon — Extend in-person acceptance to full POS hardware for higher-volume merchants.
French Checks
Accept traditional check payments with full digital traceability.
Payments work best when they go both ways
Local accounts
Give every user a local IBAN in their country.
Swan’s hyperlocal setup makes embedded payments possible, market by market.
Send Payments
Suppliers paid, invoices approved, transfers sent
— without ever leaving your platform.
Swan in numbers
Your success is our success
From improved user experiences and retention to a more competitive product and revenue opportunities, together, we propel your business forward.
8+
Payment methods available
€1B
Total accounts deposit
€35M
processed monthly
Customer stories
How Europe’s leading business platforms use Swan
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FAQ
It’s ok to have questions
What payment methods can my users accept?
SEPA Credit Transfers (including SEPA Instant), online card payments (including payment links), SEPA Direct Debit, in-person card payments via Tap to Pay, and checks for French companies — all in one Swan account.
Do my users need a new KYC to start accepting payments?
No. Payment acceptance is built on their existing Swan account—no additional onboarding and no separate provider. In certain cases, Swan may request additional information to validate an end-customer merchant profile before activating a payment acceptance method.
How does virtual IBAN reconciliation work?
Swan provides each partner with a virtual IBAN tool: you assign a unique virtual IBAN to each end-customers’ client directly in your platform. When a payment comes in, Swan sends a webhook with all transaction details (amount, debtor IBAN, and more) so your platform can instantly match the incoming transfer to the right client or invoice. The reconciliation logic lives in your product, giving you full control over how it connects to your invoicing, accounting, or reporting flows.
Is Accept Payments available across all Swan markets?
Available across Swan's European markets except Checks only in France for now.
