Integrated Finance vs Swan Cards
Integrated Finance
integrated.financeSwan Cards
swan.ioSide by side
| Figure | Integrated 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 | 0 | 4 |
| Spec score · Banking-as-a-Service Platforms | 7.2 (#23) | 8.8 (#1) |
| Founded | 2019 | 2019 |
| Integrations | Listed connections include Modulr, Currencycloud, Railsbank, ClearBank, LHV, Nium, Crown Agents Bank, Sumsub, ComplyAdvantage, W2, Thredd, Judopay, Transact Payments, tell.money, Flagright, and Aazzur. | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. |
| Product | Integrated Finance provides an orchestration platform that connects financial service providers through one API and workflow layer. | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. |
| Security | The company says required data is encrypted and its platform is hosted on Google Cloud. | Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments. |
| Support | The support hub links to API documentation, a system status page, and an active Slack community. | The support center covers onboarding, identifications, accounts, cards, transfers, direct debit, merchants and Tap to Pay. |
| What it does | Integrated Finance is a cloud-native financial infrastructure platform that connects fintech products to core financial services and integration workflows. | 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
Integrated Finance
Integrated 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.