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Swan

Swan

European Embedded Banking

VS

Payman

Platforms and businesses in sectors such as iGaming, crypto, lending, marketplaces and payroll that need EUR business accounts, virtual IBANs, mass payouts or embedded wallets from a Bulgarian-licensed e-money institution.

Payman
Fees from
Per-transaction pricing vs Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00.
Features

0 shared

2 unique to Swan
Regions

0 shared

1 unique to Swan
Pay methods

4 shared

1 unique to Swan · 4 unique to Payman
On settlement

Swan settles in 1–3 business days; Payman settles in InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.. Verify directly with each provider before signing.

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2 features · 9 payment methods · 1 regions. We don't rank these — they're here for reference.
Swan Swan
Payman Payman
Quick Facts
Fees
Standard transaction rate
Per-transaction pricing
Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00.
Settlement
Time to receive funds
1–3 business days
InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.
Founded
2019
—
Headquarters
Paris, France
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Swan leads (2 vs 0)
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Payman leads (8 vs 5)
Bank Transfer
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Direct Debit Unique
✓
—
Mastercard Unique
—
✓
Sepa
✓
✓
Virtual Account Unique
—
✓
Virtual Card Unique
—
✓
Visa Unique
—
✓
Regions
Swan leads (1 vs 0)
Europe Unique
✓
—

Swan is best when you...

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

Payman is best when you...

Platforms and businesses in sectors such as iGaming, crypto, lending, marketplaces and payroll that need EUR business accounts, virtual IBANs, mass payouts or embedded wallets from a Bulgarian-licensed e-money institution.
View Payman

Frequently Asked Questions

What is the difference between Swan and Payman?
They share 4 payment methods and 0 regions. Swan adds Direct Debit that Payman does not list; Payman adds Mastercard, Virtual Account, Virtual Card and 1 more that Swan does not list; Swan also covers Europe; only Swan offers Recurring Payments, Startup Friendly.
Which is cheaper, Swan or Payman?
Swan has published rates from Per-transaction pricing; Payman has published rates from Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Swan and Payman?
Swan lists 1 region and 5 payment methods; Payman lists 0 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Swan and Payman compare on integration and settlement?
Swan offers a sandbox, Payman does not list one; Swan supports webhooks; Swan settles in 1–3 business days, Payman in InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work..

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