Dock vs Swan Cards
Dock
dock.techSwan Cards
swan.ioSide by side
| Figure | Dock | 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 | 0 | 4 |
| Spec score · Banking-as-a-Service Platforms | 7.6 (#13) | 8.8 (#1) |
| Company history | Dock's history page says its journey began in 1999 with the founding of Conductor, and that Dock was formed within Conductor in 2018. | Swan’s company history page says it was born in 2019, when its three co-founders began writing the first lines of code. |
| Founded | 1999 | 2019 |
| Headquarters | Barueri, São Paulo, Brazil | Paris, France |
| Product | Dock provides payments and banking technology and infrastructure that companies can use to create and offer financial services. | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. |
| Regulatory status | Dock says it is a payment institution regulated by Brazil's Central Bank. | Swan says it is an ACPR-authorized French electronic-money institution and a Mastercard principal member. |
| Security | Dock says confidentiality, integrity, and secure availability of information are priorities, and that it follows information-security laws, standards, best practices, and international standards. | Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments. |
| Support | Dock’s developer portal directs users who need help to its Help Center. | The support center covers onboarding, identifications, accounts, cards, transfers, direct debit, merchants and Tap to Pay. |
Plans
Swan Cards
- SandboxFree
- Swan€900 a month
- Swan on demand€2,990 a month
- Swan EnterprisePriced on request
In their own words
Dock
Dock provides payments and banking technology that companies can use to create financial services for customers. Its Dock One platform is intended to support operations across markets, with cloud-native architecture, one API integration point, and configuration by country, currency, and business model. Dock describes its architecture as modular and event-based. The core ledger handles multiple currencies and balances, customizable accounts, transaction rules, approval flows, and reports. Spending Control sets limits by merchant type, time, amount, and period, individually or in groups. Dock lists card issuing, digital accounts, acquiring, and fraud prevention among its services. Its white-label banking includes digital accounts, branded debit cards, Pix transfers, bill payments, and boleto payments. Acquiring supports in-person and online payment acceptance through options including POS, TEF, Pix, Tap On Phone, payment links, APIs, and Pix Checkout. Fraud tools include real-time transaction monitoring and communication by SMS, WhatsApp, and email. Dock says it is regulated by Brazil's Central Bank. Pricing is on request; the listed supported region is Latin America.
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.