Swan Cards vs Synctera
Swan Cards
swan.ioSynctera
synctera.comSide by side
| Figure | Swan Cards | Synctera |
|---|---|---|
| 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 | 4 | 0 |
| Spec score · Banking-as-a-Service Platforms | 8.8 (#1) | 6.9 (#29) |
| Founded | 2019 | 2020 |
| Headquarters | Paris, France | Palo Alto, California, United States |
| Integrations | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. | The partner ecosystem lists providers including Plaid, Mastercard, Visa, Marqeta, Socure, and MX. |
| Product | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. | Synctera provides infrastructure for companies to build and operate banking and embedded finance products. |
| Support | The support center covers onboarding, identifications, accounts, cards, transfers, direct debit, merchants and Tap to Pay. | Synctera describes operational compliance support for tasks including disputes, KYC reviews, and fraud issues. |
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.