sevDesk, make your users' accounting easy and secure with embedded banking

With embedded banking, sevDesk users can seamlessly manage your accounting and banking operations in one convenient place, clearly and easily.

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Behind Europe’s next generation financial solution

Pennylane

Tellow

Agicap

Expensya

Pennylane

Tellow

Agicap

Expensya

By embedding payments, cards and accounts, sevDesk can generate up to €72 million in additional revenue

Allow your users to effortlessly manage all their accounting tasks without ever leaving your platform. Here’s what a frictionless accounting journey could look like for your customers:

YourBrand

's Dashboard

Optimize expense processing with sevDesk company cards, allowing admins and finance teams to spend less time tracking down receipts.

Allow your users to quickly pay supplier invoices or set up recurring transfers using standing orders, helping them keep track of their finances.

Enable your customers to easily pay via direct debit or by clicking payment links in their custom-designed invoices, making it simpler to clear outstanding balances.

Facilitate accurate spending reports by allowing your users to assign one dedicated IBAN per client.

Manage expenses

Pay suppliers

Get paid by customers

Automate reconciliation

YourBrand

's Dashboard

sevDesk

's Dashboard

Manage expenses

Optimize expense processing with sevDesk company cards, allowing admins and finance teams to spend less time tracking down receipts.

Pay suppliers

Allow your users to quickly pay supplier invoices or set up recurring transfers using standing orders, helping them keep track of their finances.

Get paid by customers

Enable your customers to easily pay via direct debit or by clicking payment links in their custom-designed invoices, making it simpler to clear outstanding balances.

Automate reconciliation

Facilitate accurate spending reports by allowing your users to assign one dedicated IBAN per client.

Beyond banking integrations: offer your customers a fully embedded banking experience

Further improve your accounting by consolidating your 4,000+ bank connections into a unified sevDesk dashboard, equipped with all these banking features:

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.

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.

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.

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.

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.

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.

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

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.

Virtual IBANs

Account funding

Pull payments via SEPA Direct Debit to credit your Swan account by adding a recurring funding source. You can even set up smart rules: define a minimum balance and when the account balance falls below this threshold, automatically initiate a scheduled deposit to top-up the account automatically.

Account funding

Join the embedded banking movement.

Give your customers an experience so smooth they don't even notice financial steps. Banking becomes invisible.

Benjamin Delight

Embedded Finance Expert

Talk to your expert

Talk to an 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

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

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

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

Customer Stories

Featured

Agicap: Easy cashflow management that lets you pay all bills in one place

How Swan helped cashflow analysis tool Agicap became a full-on cash management system — saving users from endless back and forths with banking apps.

Featured

Ageras launches first embedded banking product with Tellow

How Tellow embedded banking to set the gold standard for bookkeeping software

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 admins and finance teams alike.

Increase stickiness

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

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

QuickBooks, Xero, and Sage have already implemented embedded banking into their platforms. Upgrade your platform by offering banking features your users need.

FAQs

How to build and launch embedded banking features?

From our experience building unique financial flows with over 100 companies, we propose a 3-step masterplan in our blog article: https://www.swan.io/blog-posts/how-to-embed-financial-features

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.

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.

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.

Talk to our team

© Swan.io 2026

SWAN is a simplified joint-stock company (SAS) registered with the Paris Trade and Companies Register under number 853 827 103, having its headquarters at 91 rue du Faubourg Saint-Honoré 75008 Paris, FRANCE, and represented by its President Nicolas Benady.
Swan is a licensed electronic money institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), under the REGAFI identifier 86245 and identification code 17328 K, with authorisation granted on 04/06/2020.
All client funds held by Swan are safeguarded in full compliance with applicable regulations. These funds are segregated and deposited with our banking partner, BNP Paribas. In the unlikely event of BNP Paribas defaulting, client deposits are protected by the French Deposit Guarantee and Resolution Fund (FGDR) up to €100,000 per client, offering an additional layer of financial security.