Decentro vs Swan Cards
Decentro
decentro.techSwan Cards
swan.ioSide by side
| Figure | Decentro | 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 | 8.1 (#6) | 8.8 (#1) |
| Integrations | Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch. | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. |
| Product | Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs. | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. |
| Security | Decentro says its dashboard uses MFA and its systems use AES256 and RSA4096 encryption standards. | Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments. |
| Support | The escrow page describes 24x7x365 priority support via email, phone, and Slack. | The support center covers onboarding, identifications, accounts, cards, transfers, direct debit, merchants and Tap to Pay. |
| What it does | Decentro describes itself as a full-stack Banking-as-a-Service platform that lets businesses select financial modules, test them in a sandbox, and launch using APIs and SDKs. | Swan lets companies embed bank accounts, cards and payments inside their own products. |
Plans
Swan Cards
- SandboxFree
- Swan€900 a month
- Swan on demand€2,990 a month
- Swan EnterprisePriced on request
In their own words
Decentro
Decentro is a Banking-as-a-Service platform that provides financial modules through APIs and SDKs. Its global collection service lets businesses accept international payments in local currencies through a unified API, with payment options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts. The collection page lists 9+ currencies, though available collection and settlement currencies depend on Decentro’s licenses and support as a payment service provider.
Other offerings include multi-currency accounts, escrow, and a ledger for transactions and balances. The multi-currency escrow service supports holding, splitting, and releasing funds, and lists USD, GBP, EUR, AED, AUD, and JPY. Incoming payments can be matched to invoices. A web dashboard shows transaction data and balances, supports payment initiation, and provides reconciliation reports.
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.