Airwallex Embedded Finance vs Swan Cards
Airwallex Embedded Finance
airwallex.comSwan Cards
swan.ioSide by side
| Figure | Airwallex Embedded Finance | Swan Cards |
|---|---|---|
| Price from | — | €900/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 1 | 4 |
| Spec score · Banking-as-a-Service Platforms | 7.5 (#18) | 8.8 (#1) |
| Founded | 2015 | 2019 |
| Funds safeguarding | Airwallex says customer funds are safeguarded in line with the local regulations where it operates. | Client funds are segregated with BNP Paribas and protected by FGDR up to €100,000 per client if the bank defaults. |
| Headquarters | Singapore | Paris, France |
| Integrations | The integrations directory lists Shopify, WooCommerce, and Xero among supported software integrations. | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. |
Plans
Swan Cards
- SandboxFree
- Swan€900 a month
- Swan on demand€2,990 a month
- Swan EnterprisePriced on request
In their own words
Airwallex Embedded Finance
Airwallex Embedded Finance has no write-up on Specifiction yet; its figures are above.
Swan Cards
Swan Cards provides embedded banking features—accounts, cards, and payments—for companies integrating financial services into their own products. Swan presents its platform to European software companies adding white-labeled banking. Its Mastercard debit cards come in virtual, physical, and digital formats, including single-use virtual cards. They can be added to Apple Wallet and Google Wallet for NFC payments; other digital wallets are not supported. Partners can set spending limits and payment rules based on amount, currency, merchant, city, or country. Card packages have different spending limits and FX fees: Standard, Essential, and Premium list €10,000, €40,000, and €100,000 limits, with fees of 2%, 1%, and 0%, respectively. Swan offers a GraphQL API, a ready-made web banking interface, and an open-source frontend for customization. API calls must originate from a partner’s backend, not a frontend app. The free Sandbox uses fake accounts, cards, and payments. Paid service starts at €2,990/mo.