OpenPayd vs Swan Cards
OpenPayd
openpayd.comSwan Cards
swan.ioSide by side
| Figure | OpenPayd | 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 | 7.1 (#26) | 8.8 (#1) |
| Founded | 2018 | 2019 |
| Headquarters | London, United Kingdom | Paris, France |
| Integrations | OpenPayd is integrated with Circle Payments Network for near-instant cross-border fiat payments to businesses. | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. |
| Support | The company says customers can access industry-leading support and describes a dedicated partner assisting clients through their journey. | The support center covers onboarding, identifications, accounts, cards, transfers, direct debit, merchants and Tap to Pay. |
| What it does | OpenPayd provides financial infrastructure for businesses to move and manage money globally across fiat and digital assets through one API. | 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
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.