Paynetics Card Issuing vs Swan Cards
Paynetics Card Issuing
paynetics.digitalSwan Cards
swan.ioSide by side
| Figure | Paynetics Card Issuing | 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 |
| Plans published | 1 | 4 |
| Spec score · Banking-as-a-Service Platforms | 7.9 (#9) | 8.8 (#1) |
| Card types | Its card range includes plastic, virtual and digitised prepaid, debit, credit and business cards. | Swan offers Mastercard debit cards in virtual, physical, and digital formats, including single-use virtual cards. |
| Headquarters | Sofia, Bulgaria | Paris, France |
| Mobile wallets | Paynetics says it supports Apple Pay on iOS and a proprietary Android tokenisation solution based on Mastercard’s MDES protocol. | Swan cards can be added to Apple Wallet and Google Wallet for NFC payments; other digital wallets are not supported. |
| Product | Paynetics offers card-issuing programs that partners can customise for their business needs. | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. |
| Security | Paynetics offers a PCI-compliant SDK for secure card-data display without partners storing or processing sensitive data. | Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments. |
| Support | The company lists customer support at +44 (0) 330 223 6848 and [email protected]. | 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
Paynetics Card Issuing
Paynetics Card Issuing provides configurable card programs for businesses and their partners. Its range includes physical, virtual, digitized prepaid, debit, credit, and business cards from Visa and Mastercard. Partners can customize card designs and configure rules, limits, controls, hierarchies, products, and pricing levels. Cards can be linked to dedicated IBAN accounts or integrated into an eWallet. The API platform supports digital onboarding and data exchange for compliance, risk analysis, and monitoring; its integration channel includes a REST API for accounts, issuing, transfers, and onboarding, plus a partner portal. Developer resources include APIs, SDKs, sandbox tools, and live operational status. Paynetics supports Apple Pay on iOS and an Android tokenisation solution based on Mastercard’s MDES protocol. A PCI-compliant SDK supports secure card-data display without partners storing or processing sensitive details. Physical card orders require at least 1,000 units, and manufacturing typically takes around two months. Pricing is on request.
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.