Featured
Lucca: a well-established HR software enters fintech territory
Lucca streamlines HR processes for 1.3 million users in 112 countries. Now, with embedded finance features, everything is even simpler than before.
Embedded banking for human resources software
Empower companies to delight their employees with seamless financial tools and flexible benefits.
Request a demoBehind Europe's next-generation HR solutions
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3x
average revenue per user
70%
faster expense process
HR software are well-positioned to cater to the financial needs of both companies and employees
Ease up HR admin and finance team operations all while enhancing employee experience.
YourBrand
's Dashboard
Provide your own branded company cards with different spending limits and extensive payment control. Enable clients to minimize external fraud risk by issuing dynamic virtual cards for one-time payments or physical cards for employee and team expenses.
Spending limits and granular payment control for merchants allow companies to build a custom benefit program, whether it is for meal vouchers, mobility or healthcare spend. Emploees benefit from a flexible program with a reliable payment method.
With embedded payments, instant approvals and automatic deductions upon the next paycheck, a previously time-consuming process becomes a smooth and employee-friendly solution. Empower companies to provide financial stability for staff members while simplifying administrative tasks for HR teams.
Add a "Pay salaries" function to your platform and let companies submit a bulk transfer request. No need to download a full XML file, upload it to the bank app, and manually authorize each payment. All salaries are instantly paid according to your software's rules.
Issue expense cards
Issue benefit cards
Advance salary
Simplify payroll
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YourBrand
's Dashboard
Issue expense cards
Provide your own branded company cards with different spending limits and extensive payment control. Enable clients to minimize external fraud risk by issuing dynamic virtual cards for one-time payments or physical cards for employee and team expenses.
Issue benefit cards
Spending limits and granular payment control for merchants allow companies to build a custom benefit program, whether it is for meal vouchers, mobility or healthcare spend. Emploees benefit from a flexible program with a reliable payment method.
Advance salary
With embedded payments, instant approvals and automatic deductions upon the next paycheck, a previously time-consuming process becomes a smooth and employee-friendly solution. Empower companies to provide financial stability for staff members while simplifying administrative tasks for HR teams.
Simplify payroll
Add a "Pay salaries" function to your platform and let companies submit a bulk transfer request. No need to download a full XML file, upload it to the bank app, and manually authorize each payment. All salaries are instantly paid according to your software's rules.
You can play with the prototype
Banking features so sophisticated they are surprisingly easy.
Swan offers you a complete banking toolkit so you can build your best product.
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
Read Docs
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
Read Docs
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
Read Docs
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
Read Docs
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
Read Docs
Outgoing Invoice Management
Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.
Read Docs
Virtual IBANs
Assign one IBAN per customer and use it as an identifier when receiving payments — great to automate the tedious task of accounts reconciliation. Do you need 10,000 IBANs a day? No problem. Swan lets you assign limitless virtual IBANs.
Read Docs
Virtual IBANs
SEPA Direct Debit
Collect instant one-off or automated recurring payments both from business or individual accounts (SEPA Direct Debit B2B and Core).
Read Docs
SEPA Direct Debit
SEPA Credit Transfer
Send and receive transfers in euros between accounts in the SEPA zone (all EU countries + the UK, Iceland, Lichtenstein, Norway, and Switzerland).
Read Docs
SEPA Credit Transfer
Instant SCT
Send and receive transfers within seconds, instead of days. Lighting fast payments means real-time financial data, instant approvals, and more.
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Instant SCT
Local IBANs
Offer local accounts and IBANs starting with FR, DE, ES, NL and soon IT Strengthen your brand with banking accounts your customers trust.
Read Docs
Local IBANs
Join the embedded banking movement.
Give your customers an experience so smooth they don't even notice financial steps.
Banking becomes invisible.
Talk to an expertBanking becomes invisible.
Swan's know-how responds to the operational requirements of our profession, where stakes are high and workflow issues complex. The ease of integration and quality of the technical documentation has been a delight for our tech team!
Vincent Folny
,
COO & Co-founder at Aria
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Customer Stories
Building corporate cards in Italy: The Tundr story.
How Swan empowered Tundr to build a corporate benefits app with smart company cards and a sustainability twist!
Read more
How to embed financial features: the 3-step masterplan
Product playbooks guide us from identifying value opportunity, to delivering and iterating on solutions. But how do we adapt these processes for financial features? Let's zoom out!
Read more
Achieve the finest UX
When all payments are executed in one place, it becomes much easier for users to keep track of what’s paid, what’s due, and what’s late.
Boost customer acquisition
Banking services are a high-value add-on. 85% of small businesses would like to see payments integrated into their vertical software, including rental and property management tools.
Unlock new revenue streams
Diversify your offer and benefit from higher subscription revenue and interchange fees. Generate income per user and per account.
Increase stickiness
Weekly banking operations boost engagement and reduce churn risk by increasing customer reliance on your systems.
FAQs
What kind of banking features can I embed into my product?
Almost every type of financial service is embeddable. Swan has three core banking products: accounts, cards, and payments. You can offer your customers accounts, many types of payment cards, and the ability to send or receive payments via the SEPA network, and more!
What resources are required to launch embedded banking?
Partnering with a Banking-as-a-Service provider like Swan means you can launch your banking product in a matter of weeks at a fraction of the cost of working with a traditional bank. Since Swan handles the tricky compliance stuff like KYC, AML, and transaction monitoring, you don’t have to spend the time and money building a dedicated banking team in-house.
