Launch smart Expense Cards for complete spending control

Swan offers a range of cards tailored for expense management: Business cards (both physical and virtual) for everyday spending and single-use cards for secure one-off online transactions and online subscriptions. All cards can be issued instantly through our API and are fully customizable with your branding.

Expense cards remove friction at every step of your customers' expense process. No more out-of-pocket spending. No more chasing receipts. No more reimbursement delays. Employees spend confidently within set limits, finance teams monitor everything in real time, and reconciliation is automatic. The result: a simpler, faster, and fully transparent expense process that your customers manage entirely from your platform.

Expense cards make your product stickier by driving daily usage from every employee. Used for every purchase, they keep your customers engaged on your platform consistently, reducing churn and building long-term retention. On top of that, interchange fees on every transaction create a new revenue stream that grows with your customer base.

Swan provides granular spending controls embedded directly in your platform. You can set exact transaction limits, merchant restrictions, and geographic limitations per card. Single-use cards expire after one transaction, while subscription cards lock to a single merchant. All controls are enforced in real-time, and every payment is traceable to the specific user for complete accountability.

We implement multi-layered security with real-time fraud detection, instant suspicious activity alerts, and comprehensive compliance measures. For enhanced protection, utilize single-use virtual cards while we safeguard all data with bank-grade encryption and secure authentication protocols.

Unlike traditional corporate cards, Swan's solution is fully embedded in your platform, with no redirects to external banking apps. You get automated expense categorization, real-time spending insights, and programmable controls, while we handle all complex regulatory requirements behind the scenes. We offer specialized card types (single-use, subscription-specific) that traditional programs don't provide. Plus, you benefit from interchange revenue sharing and can launch in weeks without needing a banking license.

You'll quickly be operational thanks to our API-first approach that streamlines integration. We manage all regulatory complexities, card issuing infrastructure, and compliance requirements, letting you focus on your core business while rapidly launching new financial services.