Swan

Swan

European Embedded Banking

VS

Grey Finance

Emerging market workers, freelancers, and global businesses

Grey Finance
Fees from
Per-transaction pricing vs Variable by payment method and corridor; FX charges apply
Features

0 shared

2 unique to Swan · 3 unique to Grey Finance
Regions

0 shared

1 unique to Swan · 4 unique to Grey Finance
Pay methods

1 shared

4 unique to Swan · 2 unique to Grey Finance
On settlement

Swan settles in 1–3 business days; Grey Finance settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 7 payment methods · 5 regions. We don't rank these — they're here for reference.
Swan Swan
Grey Finance Grey Finance
Quick Facts
Fees
Standard transaction rate
Per-transaction pricing
Variable by payment method and corridor; FX charges apply
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
2019
2020
Headquarters
Paris, France
Wilmington, Delaware
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Grey Finance leads (3 vs 2)
Crypto Support Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Swan leads (5 vs 3)
Ach Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Direct Debit Unique
✓
—
Sepa Unique
✓
—
Virtual Card Unique
—
✓
Regions
Grey Finance leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Southeast Asia Unique
—
✓

Swan is best when you...

European Embedded Banking
Need Recurring Payments
Not available with Grey Finance
Need Startup Friendly
Not available with Grey Finance
Want coverage in Europe
Grey Finance doesn't cover this region
View Swan

Grey Finance is best when you...

Emerging market workers, freelancers, and global businesses
Need Crypto Support
Not available with Swan
Need Instant Payout
Not available with Swan
Want coverage in Africa, Asia, Latin America, Southeast Asia
Swan doesn't cover these regions
View Grey Finance

Frequently Asked Questions

What is the difference between Swan and Grey Finance?
They share 1 payment method and 0 regions. Swan adds Credit Card, Debit Card, Direct Debit and 1 more that Grey Finance does not list; Grey Finance adds ACH, Virtual Card that Swan does not list; Swan also covers Europe; Grey Finance also covers Africa, Asia and 2 more.
Which is cheaper, Swan or Grey Finance?
Swan has published rates from Per-transaction pricing; Grey Finance has published rates from Variable by payment method and corridor; FX charges apply. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Swan and Grey Finance?
Swan lists 1 region and 5 payment methods; Grey Finance lists 4 and 3. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Swan and Grey Finance compare on integration and settlement?
Swan offers a sandbox, Grey Finance does not list one; Swan supports webhooks; Swan settles in 1–3 business days, Grey Finance in 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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