Twinfield, embed payments into your customers' accounting journey.

With embedded banking, Twinfield elevates its accounting software and becomes the central financial operating system for businesses.

Talk to your expert Talk to an expert Explore the Sandbox

Behind Europe’s next generation financial solutions

Pennylane

Tellow

Agicap

Expensya

Pennylane

Tellow

Agicap

Expensya

By embedding payments, cards and accounts, Twinfield can generate up to €100 million in additional revenue

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:

YourBrand

's Dashboard

Enhance your debtor management on Payt 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 Twinfield 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

YourBrand

's Dashboard

Twinfield

's Dashboard

Get paid by customers

Enhance your debtor management on Payt 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 Twinfield 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.

Beyond Bank Links: 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 Twinfield 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.

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

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

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

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

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

Customer Stories

Featured

Ageras launches first embedded banking product with Tellow

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

Featured

Pennylane: How digital wallets can simplify the lives of entrepreneurs and accountants

Here's why digital wallets, for sending, receiving, and managing companies' funds, have become a must-have for every financial management platform.

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 Twinfield.

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 and SAP 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.

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.