Benefit cards
Give HR teams the payment controls and flexible compensation compliance they need, while generating revenue on every transaction and increasing loyalty.
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Powering the fastest-growing companies in Europe
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Your platform helps companies offer instant benefits, automate HR management, and maintain full control over spending.
Offer a ready-to-use flexible compensation program via digital cards. All without building payment infrastructure from scratch.
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We don’t just help you integrate banking features—we ensure they generate real business value. From initial concept through market launch and beyond, our team supports you every step of the way. We’re committed to your growth as you expand these services across your customer base.
Features
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Customer stories
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FAQ
Swan’s infrastructure keeps transactions categorized and ready for an AEAT audit, applying your rules at the time of payment. We handle the payment infrastructure while you maintain control over local policies, ensuring compliance with Spain’s tax-exempt limits for meal vouchers (€11 per workday), transportation cards (€1,500 annually), and other benefit categories.
Yes. Swan allows you to apply granular rules that reflect real benefit categories, including daily limits for meals, annual caps for transportation, and custom allowances for training and childcare. You can restrict MCCs (Merchant Category Codes), monitor spending in real time, and automate budget enforcement—all via API and with your brand integrated into the experience.
Benefit cards, both virtual and physical, are compatible with Apple Pay and Google Pay, giving employees convenient and immediate access to their benefits through their preferred digital wallet.
HR teams can allocate and monitor benefits budgets, define pre-set spending rules, manage budgets from a centralized HR account, distribute cards with specific spending limits, and monitor transactions in real time.
Yes. Swan’s solution is fully customizable to your brand. You can issue physical and virtual cards featuring your brand identity, and the entire payment experience can be seamlessly integrated into your platform’s interface.
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.
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