Embed banking into your customer's accounting journey

With embedded banking, Bjorn Lunden elevates its accounting software and becomes the central financial operating system for businesses.
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Behind Europe’s next generation financial solutions
Pennylane
Tellow
Agicap
Expensya
Pennylane
Tellow
Agicap
Expensya

By embedding payments, cards and accounts, Bjorn Lunden can generate between €25 and €100 additional monthly revenue per customer.

Allow your users to effortlessly manage all their bookkeping tasks without ever leaving your platform. Here’s what a frictionless accounting journey could look like for your customers:
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YourBrand
's Dashboard
Enhance your debtor management on with advanced payment collection functionalities. Let your customers seamlessly accept payments through direct debit or effortlessly integrate payment links into your invoicing tool, further reducing outstanding balances.
Enable faster expenses processes with your Bjorn Lunden company cards. Admins spend less time tracking down missing receipts and facilitate a faster end-of-month closing for accountants.
Let your users swiftly process payments for supplier invoices or schedule recurring transfers through standing orders from Basecone, effectively optimizing their cash flow.
Facilitate accurate spending reports by allowing your users to assign one dedicated IBAN per client.
Get paid by customers
Manage expenses
Pay suppliers
Automate reconciliation
prototype
YourBrand
's Dashboard
Bjorn Lunden
's Dashboard
Get paid by customers
Enhance your debtor management on with advanced payment collection functionalities. Let your customers seamlessly accept payments through direct debit or effortlessly integrate payment links into your invoicing tool, further reducing outstanding balances.
Manage expenses
Enable faster expenses processes with your Bjorn Lunden company cards. Admins spend less time tracking down missing receipts and facilitate a faster end-of-month closing for accountants.
Pay suppliers
Let your users swiftly process payments for supplier invoices or schedule recurring transfers through standing orders from Basecone, effectively optimizing their cash flow.
Automate reconciliation
Facilitate accurate spending reports by allowing your users to assign one dedicated IBAN per client.

Provide your customers with a fully integrated banking experience

Many of your customers have Rabobank, ING, ABN Amro or Knab accounts - what if they could have a PIA Go! account unlocking all of these functionalities?
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.
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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.
tab placeholder
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.
tab placeholder
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.
tab placeholder
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.
tab placeholder
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.
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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).
SEPA Credit Transfer
SEPA Direct Debit
Collect instant one-off or automated recurring payments both from business or individual accounts (SEPA Direct Debit B2B and Core).
SEPA Direct Debit
International Credit Transfer
Easily set up recurring payments by scheduling outgoing SEPA Credit Transfers or SEPA Instant with a one-time consent.
International 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.
Instant SCT
Virtual cards
Whenever a card is issued, a virtual card number is instantly created and can be used anywhere online. Cards can be added to Apple Wallet and Google Pay, so they’re available for in-store contactless payments on compatible devices.
Virtual cards
Physical cards
The good old plastic cards we all know. They can be used at sales points with any of the usual methods: swipe, chip + PIN code, or contactless.
Physical cards
Join the embedded banking movement.
Give your customers an experience so smooth they don't even notice financial steps. Banking becomes invisible.
Marnix Van Deursen
Embedded Finance Expert
Talk to your expert
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
customer logo
In just a few days, the Pennylane Wallet was able to go live and our customers could transfer money and start paying their bills. Swan enables us to add features step by step, depending on user feedback. They’re exactly the partner we were looking for. Truly game changing in the industry!
Tancrède Besnard
,
Co-Founder & Product at Pennylane
custom logo
With payments being a more operational feature in our product, we’re having not only CEOs and CFOs as users, but also financial teams dedicated to paying invoices and salaries, who are coming to Agicap on a daily basis and this definitely increases stickiness.
Joseph Roulleaux-Dugage
,
Product Manager at Agicap
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By providing cards and new ways to manage expenses, our customers get more value. This positions Expensya as an end-to-end expense platform, and while our customers get a way better experience, it’s also good for business. We’re getting great lead generation, and also more revenue.
Agi Dhima
,
Head of Operations for Payments at Expensya
custom logo

Customer Stories

Building next-generation accounting, together
Take your user experience to the next level

Create a seamless and centralized solution designed to enhance the experience of accountants, administrators and finance teams alike.

Increase stickiness

Weekly banking operations boost engagement and reduce churn risk by increasing customer reliance on Bjorn Lunden.

Unlock new sources of revenue

Diversify your offer and benefit from banking-related revenue such as account subscription, interchange and interest.

Reinforce your competitive advantage

Companies like Bjorn Lunden have already implemented embedded banking into their platforms. Upgrade your platform by offering banking features your users need.

FAQs

How does embedded banking allow me to triple my revenue?

Banking features enable you to further monetize hard-won customers. You’ve done a lot to get your customer on board. By offering them financial products when they need it and how they want it, you can increase revenue through shared interchange, higher subscription fees, and more.

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.

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.