Swan Cards vs Treezor
Swan Cards
swan.ioTreezor
treezor.comSide by side
| Figure | Swan Cards | Treezor |
|---|---|---|
| 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 | 4 | 0 |
| Spec score · Banking-as-a-Service Platforms | 8.8 (#1) | 7.2 (#24) |
| API | Swan exposes a GraphQL API for accounts, cards, transactions and other banking actions. | Treezor's API is REST-based and accepts and returns JSON payloads. |
| Founded | 2019 | Treezor says it was founded in 2016. |
| Headquarters | Paris, France | Paris, France |
| Integrations | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. | Treezor’s card services support Apple Pay, Google Pay, and Samsung Pay. |
| Product | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. | Treezor provides Banking-as-a-Service for embedding financial services through an API. |
| Regulatory status | Swan says it is an ACPR-authorized French electronic-money institution and a Mastercard principal member. | Treezor says it is an ACPR-authorized electronic money institution with authorization to operate in 25 countries. |
| Security | Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments. | Treezor lists PCI DSS and ISO 27001 among its security credentials and describes itself as an ACPR-licensed electronic money institution. |
| Support | The support center covers onboarding, identifications, accounts, cards, transfers, direct debit, merchants and Tap to Pay. | For questions about a Treezor-powered payment account, card, or IBAN, customers are directed to contact the company where they opened the account first. |
| What it does | Swan lets companies embed bank accounts, cards and payments inside their own products. | Treezor provides embedded finance and Banking-as-a-Service through APIs, covering services across the payment chain from receiving to issuing payments. |
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.
Treezor
Treezor provides Banking-as-a-Service for businesses embedding financial services through APIs. Its services cover payment accounts and wallets with virtual and local IBANs, core banking, KYC/KYB, card issuing and processing, acquiring, and SEPA and international payments. Businesses can offer physical or virtual Visa and Mastercard cards linked to accounts, with configurable controls and limits. The REST API exchanges JSON and requires HTTPS requests with a JSON Web Token in the Authorization header. Each customer can use a dedicated sandbox for testing, while dashboards support team onboarding and operations monitoring. Card services work with Apple Pay, Google Pay, and Samsung Pay. Authentication options include WebNative for browsers and mobile devices, native iOS and Android SDKs, and bridges for React Native, Flutter, and Capacitor. Treezor says it is an ACPR-authorized electronic money institution with authorization to operate in 25 countries. Its supported regions include Belgium, France, Germany, Italy, Luxembourg, Spain, and The Netherlands. Pricing is on request.