Swan

Best for: AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You want to try it free before paying; You have strict compliance requirements

Pricing model

Hybrid (base + usage) [2]swan.io/pricing“Starting from 2990€/m — Swan on Demand. Share revenue on Interchange fees [Enterprise]. Card payments outside SEPA area: 2% of the amount paid.”swan.io/faq“5€ per card using one of these two designs. €7 incl. VAT for lost, stolen, damaged or blocked cards.”

Published pricing

✓ Yes [3]swan.io/pricing“Starting from 2990€/m — Swan on Demand”swan.io/faq“5€ per card using one of these two designs. Standard shipping EU: 1.60€ (incl. VAT). Tracked shipping EU: 12€ (incl. VAT). Tracked shipping France: 1.67€ (incl. VAT). €7 incl. VAT for lost/stolen/damaged card. €1 incl. VAT for ATM in SEPA. €10 incl. VAT per rejected direct debit.”

Free tier

✗ No [4]swan.io/pricing“The Sandbox is free to explore! with unlimited sandbox users and fake money — but a paid plan is required for production”

Self-serve signup

✓ Yes [5]swan.io/developers“Get up and running with our dashboard in less than 5 minutes. Sandbox signup/login available at /start-now and /sign-in”

Requires sales call

✓ Yes [6]swan.io/pricing“Talk to an expert [for Enterprise]. Custom pricing for high volumes or unique business models.”

Enterprise plan

✓ Yes [7]swan.io/pricing“Enterprise Plan: Custom pricing — High volumes or unique business model, Dedicated Implementation Manager, Revenue sharing on interchange fees, Fully customized card designs”

Minimum commitment

€2,990/month (Swan On Demand plan) [8]swan.io/pricing“Starting from 2990€/m for Swan on Demand”

• Virtual cards
• Physical cards
• Spend controls
• BIN sponsorship
• Push provisioning
• Multi-region

Supported actions

issue_virtual_card, issue_physical_card, issue_single_use_virtual_card, spend_controls, authorization_stream, card_lifecycle_management, merchant_category_controls, digital_wallet_provisioning, apple_pay_google_pay, tokenization, kyc_kyb, real_time_webhooks, virtual_ibans, sepa_credit_transfers, sepa_instant_transfers, sepa_direct_debit, international_credit_transfers, standing_orders, account_onboarding, program_management, payment_control [9]docs.swan.io/topics/cards/virtual/“addCard (Single virtual card for one member), addCards (Up to 200 cards across multiple members), addSingleUseVirtualCard (One single-use card for one member)”docs.swan.io/topics/cards/digital/“Swan cards are compatible with Apple Pay and Google Pay for Near-Field Communication (NFC) payments.”docs.swan.io/developers/using-api/payment-control/“Swan implements a time-sensitive authorization system. In the Live environment, authorizations time out after 1.5 seconds.”

Regions

EEA (30+ countries), France, Germany, Spain, Italy, Netherlands, Belgium, Iceland, Liechtenstein, Norway [10]swan.io/why-swan“Across the entire EEA for Accounts, Cards, and Payments offerings”swan.io/faq“Swan operates across the EEA through an e-money license, covering 31 jurisdictions including France, Germany, Spain, Italy, and all EU member states plus Iceland, Liechtenstein, and Norway.”

Input types

Mastercard, virtual, physical, single-use virtual, debit, consumer, business [11]docs.swan.io/topics/cards/“Swan exclusively offers Mastercard debit cards. Individual account holders receive consumer debit cards; companies receive business debit cards.”docs.swan.io/topics/cards/virtual/“Virtual: single virtual card only; VirtualAndPhysical: both virtual and physical issued; SingleUseVirtual: one-time use virtual card”

Output types

JSON, webhook events, card tokens, authorization events, transaction data, GraphQL responses, account statements (PDF/CSV)

Webhooks

✓ Yes [12]docs.swan.io/developers/using-api/webhooks/“Swan webhooks operate with near-real-time efficiency, typically delivering responses within seconds of the event”

Sandbox / test mode

✓ Yes [13]swan.io/pricing“The Sandbox is free to explore! with unlimited sandbox users and fake money for testing all platform features.”

SDK languages

TypeScript/React, TypeScript [14]swan.io/developers“open-source libraries including: @swan-io/partner-frontend (Banking interfaces), @swan-io/chicane (React router), @swan-io/boxed (TypeScript utilities)”

MCP server

✓ Yes [15]docs.swan.io/developers/tools/mcp-servers/“GraphQL Schema Server URL: https://mcp.swan.io/graphql/mcp — enables AI assistants to explore Swan's GraphQL schema. Documentation Server URL: https://mcp.swan.io/docs/mcp”

SOC 2

– Unknown [16]trust.swan.io“Swan Trust Center (page rendered with no certification details accessible)”

HIPAA

✗ No [17]swan.io/features“Swan is a European EMI; no HIPAA compliance mentioned on features, security, or compliance pages.”

GDPR

✓ Yes [18]docs.swan.io/partnership/overview/protections/“User data is never transferred outside of Europe. Identity verification videos encrypted and stored in European data centers. Data retention: 5 years post-account closure per French banking regulations.”

ISO 27001

✓ Yes [19]swan.io/blog-posts/swan-2025-wrap-up“ISO/IEC 27001 certification: Independently verified security controls across the technical stack, providing continuous risk management for every API and workflow.”

PCI DSS

✓ Yes [20]swan.io/why-swan“PSD2, PCI DSS, SCA, AML, and SDS are mentioned as Swan's responsibility — complex codes and regulations are our territory”

Published SLA

✗ No [21]trust.swan.io“Swan Trust Center exists but no SLA or uptime commitment is publicly accessible on the page”swan.io/faq“No published SLA or uptime commitment found on pricing, FAQ, or developer documentation pages.”

Rate limits

The default limit for each IP is 2,000 requests every 5 minutes. [22]docs.swan.io/developers/“The default limit for each IP is 2,000 requests every 5 minutes. Exceeding this returns an HTTP 429 error.”

Known restrictions

Swan is a licensed EMI (electronic money institution) authorised by the French ACPR - provides turnkey BIN sponsorship and card program management; partners do NOT need to bring their own sponsor bank, Mastercard debit cards only (no Visa, no credit cards, no prepaid), EEA only (no US, no APAC coverage), Physical card printing hubs in France (Dijon) and Spain (Madrid), Digital wallet in-app provisioning requires partner certification approval, PCI DSS compliance mentioned but specific level not published on public pages, International (non-SEPA) card transactions incur 2% surcharge, Limited accounts have temporary restrictions: incoming SEPA Credit Transfer ≤ €50, lifetime cumulative ≤ €150, ISO/IEC 27001 certified (achieved 2025) [23]swan.io/why-swan“Swan is a licensed electronic money institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR)”swan.io/blog-posts/swan-2025-wrap-up“ISO/IEC 27001 certification: Independently verified security controls across the technical stack, providing continuous risk management for every API and workflow.”docs.swan.io/topics/cards/“Swan exclusively offers Mastercard debit cards.”

• Docs
• Status page

Docs rendering: static

API style

graphql

Base URL

https://api.swan.io/live-partner/graphql

Versioning

none

Stability

ga

Auth methods

oauth2

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

shared-secret (x-swan-secret header)

Rate limit

2000 / 5 minutes

SDKs

• TypeScript/React @swan-io/swan-partner-frontend · repo
• TypeScript @swan-io/boxed · repo
• TypeScript/React @swan-io/use-form · repo

• Auth docs
• Quickstart
• MCP server
• Webhook events
• Deprecation policy

Launched

2019-01-01

GA

2021-01-01

Notable customers

Pennylane, Agicap, Lucca, Accountable, Factorial, Sesame, bunch, Betterfly, Indy

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Stripe Issuing

  "With over 275 million cards created, Stripe Issuing is the preferred card issuance infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises."

  Usage · public pricing

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Adyen Issuing

  "Get everything you need to create and manage your card program with our financial technology platform."

  Sales-led

• Marqeta

  "We are the world's first modern card issuing platform" - enabling any company to deliver delightful payment experiences natively.

  Sales-led · self-serve

Swan alternatives · Swan vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: swan.io · swan.io
2. ↑Pricing model: swan.io · swan.io
3. ↑Published pricing: swan.io · swan.io
4. ↑Free tier: swan.io
5. ↑Self-serve signup: swan.io
6. ↑Requires sales call: swan.io
7. ↑Enterprise plan: swan.io
8. ↑Minimum commitment: swan.io
9. ↑Supported actions: docs.swan.io · docs.swan.io · docs.swan.io
10. ↑Regions: swan.io · swan.io
11. ↑Input types: docs.swan.io · docs.swan.io
12. ↑Webhooks: docs.swan.io
13. ↑Sandbox: swan.io
14. ↑SDK languages: swan.io
15. ↑MCP server: docs.swan.io
16. ↑SOC 2: trust.swan.io
17. ↑HIPAA: swan.io
18. ↑GDPR: docs.swan.io
19. ↑ISO 27001: swan.io
20. ↑PCI DSS: swan.io
21. ↑Published SLA: trust.swan.io · swan.io
22. ↑Rate limits: docs.swan.io
23. ↑Known restrictions: swan.io · swan.io · docs.swan.io

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"multi_region":true,"virtual_cards":true,"physical_cards":true,"spend_controls…
2. 2026-06-21 Summary Md: (none) → Swan is a Banking-as-a-Service API for software platforms and SaaS companies th…
3. 2026-06-21 Score Setup Speed: (none) → 70
4. 2026-06-21 Score Docs Quality: (none) → 15
5. 2026-06-21 Score Procurement Friction: (none) → 45
6. 2026-06-21 Score Trust Readiness: (none) → 40
7. 2026-06-21 Best For: (none) → AI agents and automation - an agent-ready surface (MCP / llms.txt), Teams needi…
8. 2026-06-21 Avoid If: (none) → You want to try it free before paying, You have strict compliance requirements
9. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
10. 2026-06-21 Score Agent Friendliness: (none) → 40
11. 2026-06-21 Score Pricing Transparency: (none) → 45
12. 2026-06-21 Robots Allows Agents: (none) → No
13. 2026-06-21 Status Page URL: (none) → https://status.swan.io
14. 2026-06-21 Docs URL: (none) → https://docs.swan.io/
15. 2026-06-21 Has Structured Data: (none) → No
16. 2026-06-21 Rendering: (none) → static
17. 2026-06-21 Llms Txt Present: (none) → No
18. 2026-06-21 Pricing Model: set to hybrid
19. 2026-06-21 Has Published Pricing: set to Yes
20. 2026-06-21 Free Tier Available: set to No
21. 2026-06-21 Minimum Commitment: set to €2,990/month (Swan On Demand plan)
22. 2026-06-21 Self Serve Signup: set to Yes
23. 2026-06-21 Requires Sales Call: set to Yes
24. 2026-06-21 Enterprise Plan Available: set to Yes
25. 2026-06-21 HIPAA: set to No
26. 2026-06-21 GDPR: set to Yes
27. 2026-06-21 ISO 27001: set to Yes
28. 2026-06-21 PCI DSS: set to Yes
29. 2026-06-21 SLA Published: set to No
30. 2026-06-21 SLA URL: set to https://trust.swan.io/
31. 2026-06-21 Data Retention Policy URL: set to https://docs.swan.io/partnership/overview/protections/
32. 2026-06-21 Documented Rate Limits: set to The default limit for each IP is 2,000 requests every 5 minutes.
33. 2026-06-21 Rate Limit Requests: set to 2000
34. 2026-06-21 Rate Limit Window: set to 5 minutes
35. 2026-06-21 Known Restrictions: set to Swan is a licensed EMI (electronic money institution) authorised by the French …
36. 2026-06-21 Auth Methods: set to oauth2
37. 2026-06-21 Auth Docs URL: set to https://docs.swan.io/developers/using-api/authentication/
38. 2026-06-21 API Style: set to graphql
39. 2026-06-21 Base URL: set to https://api.swan.io/live-partner/graphql
40. 2026-06-21 Versioning Scheme: set to none
41. 2026-06-21 Stability: set to ga
42. 2026-06-21 Deprecation Policy URL: set to https://docs.swan.io/changelog/
43. 2026-06-21 MCP URL: set to https://mcp.swan.io/graphql/mcp
44. 2026-06-21 Quickstart URL: set to https://docs.swan.io/guide/quickstart
45. 2026-06-21 Idempotency Supported: set to Yes
46. 2026-06-21 Error Format: set to vendor-specific
47. 2026-06-21 Webhook Events URL: set to https://docs.swan.io/developers/using-api/webhooks/
48. 2026-06-21 Requires Verification: set to Yes
49. 2026-06-21 Free Tier Limit: set to Sandbox free to explore (unlimited sandbox users, fake money for testing)
50. 2026-06-21 Launched At: set to 2019-01-01

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/swan \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/swan/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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