NymCard vs Swan Cards
NymCard
nymcard.comSwan Cards
swan.ioSide by side
| Figure | NymCard | Swan Cards |
|---|---|---|
| Price from | — | €900/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | Yes | Yes |
| Plans published | 1 | 4 |
| Spec score · Banking-as-a-Service Platforms | 8.0 (#7) | 8.8 (#1) |
| Audience | NymCard describes its platform as serving banks, fintechs, and businesses building financial products. | Swan describes itself as a platform helping European software companies add white-labeled banking services to their products. |
| Card controls | Card programs can configure spending limits, billing cycles, repayment, and installments through the API. | Spending controls can be set by amount, currency, merchant, category, city or country. |
| Founded | 2018 | 2019 |
| Integrations | NymCard says its platform connects to existing core banking platforms without requiring their replacement. | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. |
| Product | nCore combines card issuing, money movement, settlement, reconciliation, lending, and financial crime capabilities on one payments platform. | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. |
| Security | NymCard states that nCore is certified for PCI DSS Level 1, PCI SSF, SOC 2 Type II, and ISO 27001. | Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments. |
| Support | The site directs prospective customers to contact its team and directs developers to documentation. | The support center covers onboarding, identifications, accounts, cards, transfers, direct debit, merchants and Tap to Pay. |
| What it does | NymCard describes nCore as a payments platform covering card issuing, money movement, settlement, reconciliation, lending, and financial crime. | 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
NymCard
NymCard’s nCore is a payments platform for banks, fintechs, and businesses building financial products. It combines card issuing, money movement, settlement, reconciliation, lending infrastructure, and financial crime capabilities. Card programs can issue debit, credit, or prepaid cards in physical, virtual, or tokenized form, with controls for spending limits, billing cycles, repayment, and installments.
The platform also supports domestic and cross-border payments, foreign exchange, remittances, wallet top-ups, peer-to-peer and merchant payments, bill payments, transfers, and cash in and out. Financial crime features include identity verification, fraud monitoring, risk management, AML and sanctions screening, and issuer-side 3D Secure. NymCard says nCore can connect to existing core banking systems without replacing them, and can run in public cloud, hybrid, on-soil, or fully on-premise deployments. Its APIs, webhooks, implementation guides, and developer tools support integration. Listed platforms include Android, iOS, web, API, and self-hosted. NymCard says nCore holds PCI DSS Level 1, PCI SSF, SOC 2 Type II, and ISO 27001 certifications. Pricing is on request. Its lending infrastructure supports decisioning, origination, and servicing, but NymCard does not fund loans.
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.