Payment Cards
Offer the right business card for every spending profile
Provide a scalable card range designed for every business size, growing with customers as their spending needs evolve. Your cards, always top of wallet.
Powering the fastest-growing companies in Europe
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Give your customers cards
they'll actually trust and use.
Three tiers. Built-in insurance. Competitive limits. Everything your customers need to trust and use your card.
Be competitive to capture new customer segments
Provide cards with features that match your customers’ spending needs, limits until €100K, international spend with lower to no fees, and built-in insurance across three distinct card tiers.
Protection that builds trust to increase usage
Equip your customers with built-in insurance coverage (travel, fraud, purchases, rentals) to give the confidence your customers’ teams need.
Multiple cards that cover multiple needs
Empower your customers to assign the right card tier to each team member, from Standard cards for employee day-to-day expenses to Premium cards for department budget management.
Benefits
Launch fast, operate simply
Pre-built infrastructure
Ready-to-use branded cards
Billing handled
Premium Cards
Offer the finest branded experience
☑ Up to €100K monthly spending
☑ 0% FX fees on international transactions
☑ Complete business and travel insurance coverage that builds trust
Customer stories
Learn more about embedded banking for Industry
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FAQ
It’s ok to have questions
Can one company use multiple card tiers?
Yes, that’s exactly how it’s designed. Different tiers support different spending needs across your team. Standard for any role with everyday expenses like meals or small offices purchases. Essential for roles that regularly travel or engage with customers. Premium for managing larger budgets, team expenses, or higher-volume spend.
Isn't it better to start with a single card?
You can start with a single card tier to validate your offering. However, most platforms already serve a range of SMB segments from freelancers to larger teams with different spending patterns. Designing with multiple tiers in mind early on makes it easier to address these different needs within one program, without introducing fragmentation or migration challenges later.
What is covered by the card insurance?
Coverage varies by tier:
- Standard: Essential fraud protection and basic purchase coverage
- Essential: Enhanced travel protection, fraud coverage, and purchase protection
- Premium: Business insurance including travel disruption, purchase protection, rental car coverage, 24/7 emergency assistance, and medical repatriation
Will I have to manage insurance claims?
No. Insurance partnerships and claims processing is manage on your behalf. Your customers can submit claims directly through their dedicated portal, branded at your image, requiring no action from you. You'll have access to a dedicated dashboard for visibility on ongoing claims whenever you need it.
How long does it take to launch?
Simple API integration with pre-built infrastructure for fast deployment. Once activated, Premium metal cards arrive via DHL Express, Standard/Essential via standard delivery.
Can cards be customized with our branding?
Absolutely. Swan is a licensed financial institution that handles local compliance, security, and regulation—so you can embed banking features with confidence and stay focused on your core product.
Ready to be top of wallet?
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.
