Cards

Powerful expense cards, built for control with every swipe

Give employees the freedom to make purchases while providing finance teams with the visibility and control they need, all in one seamless solution.

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Powering the fastest-growing companies in Europe

Smart expense management at your fingertips

Provide complete spend visibility and eliminate out-of-pocket expenses for teams — all seamlessly integrated within your platform.

Ready-to-use branded cards

Embed branded cards with real-time visibility into your platform. Issue virtual cards instantly and access them anywhere, via mobile, Apple Pay, or Google Pay — with instant notifications. We handle the complexity — you stay in control.

Flexible controls, full automation

Manage spend in one place. Create custom expense policies with merchant restrictions, spending limits, and team budgets. Built-in policy enforcement simplifies compliance and reduces manual work.

Built-in fraud protection

Keep transactions secure with instant card freezing, single-use virtual cards for online purchases, and customizable merchant restrictions to prevent unauthorized spending.

Your success journey with Swan

We don't just help you integrate banking features, we help you make them count. From initial concept to market launch and beyond, our team supports you at every step. We're committed to your growth as you expand these services across your customer base.

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Features

Everything you need: from cards to compliance

Card management

Role-based access for admins, managers, and employees. Easy to issue, easy to track.

Spending controls

Custom rules, approval flows, and usage limits that keep everything in check.

Expense tracking

Instant visibility into every transaction — no more guesswork about company spending.

Reporting and analytics

Get powerful spending insights and detailed reports to spot patterns and make smarter decisions.

Physical and virtual cards

Choose what works best, physical cards for in-person payments virtual cards for immediate online use, or both.

Compliance and security

All transactions meet the highest security and regulatory standards.

Customer stories

How Europe’s leading business platforms use Swan

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FAQ

It’s ok to have questions

01
What types of cards does Swan offer for expense management?

We provide physical and virtual Mastercard debit cards tailored to your needs. Physical cards are perfect for in-person transactions, while virtual cards offer immediate online spending access. Both feature your custom branding and are managed through one unified platform with real-time transaction visibility.

02
How do spending controls work with Swan's expense cards?

Our intelligent controls let you set precise spending limits by amount, merchant category, timeframe, or location. Create custom approval workflows for larger purchases, instantly freeze cards when needed, and implement team-specific rules—all directly from your platform.

03
How does Swan ensure the security of expense card transactions?

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.

04
What makes Swan's expense card program different from traditional corporate cards?

Unlike standalone traditional cards, our solution integrates seamlessly into your platform. You get automated expense categorization, real-time spending insights, and programmable controls—while we handle all complex regulatory requirements behind the scenes. Say goodbye to system juggling and manual reconciliation!

05
How quickly can we implement Swan's expense card program for our users?

You'll be operational within weeks 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.

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.