Electronic invoicing
Swan embeds embedded finance directly into your Plateforme Agréée. Turn a compliance obligation into a strategic advantage: the financial platform SMBs actually adopt.
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Powering the fastest-growing companies in Europe
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See how integrated payment features improve your users’ experience when managing invoices.
Open white-label accounts for your customers, from which they can set up SEPA transfers, instant SEPA transfers, and international transfers to pay their suppliers’ invoices. They can also issue physical and virtual cards for in-person and online expenses.
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From the same white-label account, your users can accept payments from their customers by direct debit, checks, online card payments, etc.
* Subject to eligibility.
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Benefits
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“While companies start using Libeo to manage their invoices, the real value is revealed when they use the platform for payments. Our partnership with Swan and the launch of our payment cards enable us to deliver that impact.”
Anne-Sophie Corbeau, Chief Product Officer, Libeo
Commitments on compliance
Swan ensures the protection and storage of your funds and data in full compliance.
Your funds are held in a segregation account at BNP Paribas. In the unlikely event that this bank were to fail, your funds are protected up to €100,000 by the FGDR (Fonds de Garantie des Dépôts et de Résolution).
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Swan is a member of the French Association of Payment and Electronic Money Institutions (known as AFEPAME).
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Maximum security level based on French local registries.
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Strong Customer Authentication compliant with the PSD2 directive.
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3DS verification for online transactions.
Continuous transaction monitoring and fraud prevention.
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Electronic invoicing is much more than a regulatory update: it is an opportunity for your platform to become indispensable by integrating high-value financial services.
FAQ
Swan’s APIs are designed for fast integration. Most software platforms can launch basic embedded banking features in X weeks, with full payment capabilities set up shortly after.
Swan offers a competitive revenue share on interchange fees, interest on deposits, and payment processing. Many partners see a 15% to 30% increase in ARPU in the first year.
No. Swan handles all regulatory obligations as a licensed financial institution. Your software operates under Swan’s banking license, with full compliance ensured.
Yes. All banking features visible to your customers appear under your brand. Your customers see your software with enhanced financial capabilities, not a third-party banking solution.
Yes. Swan is a licensed financial institution in the EU, regulated as an agent of a French Electronic Money Institution (EMI) and supervised by the ACPR (Banque de France). This ensures Swan meets the same standards as any major European financial institution.
Swan applies enterprise-grade security to protect both funds and data:
Customer funds are held at BNP Paribas, in segregated accounts for optimal security and availability.
Deposit guarantee: up to €100,000 per account via the FGDR (Fonds de Garantie des Dépôts et de Résolution).
GDPR-compliant data handling: all data is encrypted and stored in European data centers.
Sensitive access is strictly limited to authorized staff and KYC-verified personnel only.
The electronic invoicing reform is digitizing millions of businesses. For them, compliance is not enough: they require end-to-end financial workflows that simply work.
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