specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Swan
providerId: swan-io
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Embedded Banking
- Banking as a Service
- BaaS
- Payments
- Cards
- Plans
description: >-
  Swan is a Banking-as-a-Service platform sold under commercial partner
  contracts rather than self-serve public API tiers. Pricing is typically a
  combination of a platform/subscription fee plus per-unit banking fees (per
  active account, per card, per SEPA transaction, plus interchange share) and is
  negotiated per partner based on volume and product scope. The Sandbox is free
  to use for development and testing; going Live requires a signed agreement and
  regulatory onboarding. Exact figures are not published as a public price list.
notes: >-
  Swan does not publish a fixed public pricing page with per-unit rates; plan
  entries below are structural placeholders describing the shape of Swan's
  commercial model, not reconciled amounts. Contact Swan sales for a quote.
sources:
- https://www.swan.io
- https://docs.swan.io/developers/
- https://www.swan.io/pricing
plans:
- id: swan-sandbox
  name: Sandbox
  type: free
  description: >-
    Free sandbox environment for building and testing the full GraphQL API,
    including simulated accounts, cards, payments, and onboarding.
  entries:
  - label: Sandbox Access
    name: sandbox
    type: free
    metric: requests
    limit: -1
    timeFrame: month
    geo: eu
    unit: 1
    price: free
    userMultiplied: false
  elements:
  - name: Full GraphQL API in Sandbox
  - name: Test Accounts, Cards, Payments, Onboarding
- id: swan-partner
  name: Partner (Live)
  type: contract
  description: >-
    Commercial partner agreement for Live embedded banking. Combines a platform
    fee with per-unit banking fees; terms are negotiated per partner based on
    volume and product scope (accounts, cards, SEPA payments, acquiring).
  entries:
  - label: Platform Fee
    name: platform_fee
    type: flat
    metric: subscription
    limit: -1
    timeFrame: month
    geo: eu
    unit: 1
    price: contact sales
    userMultiplied: false
  - label: Active Account Fee
    name: active_account
    type: usage
    metric: accounts
    limit: -1
    timeFrame: month
    geo: eu
    unit: 1
    price: contact sales
    userMultiplied: true
  - label: Card Fee
    name: card
    type: usage
    metric: cards
    limit: -1
    timeFrame: month
    geo: eu
    unit: 1
    price: contact sales
    userMultiplied: true
  - label: SEPA Transaction Fee
    name: sepa_transaction
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: eu
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Accounts and IBANs
  - name: Card Issuing
  - name: SEPA Credit Transfer and Direct Debit
  - name: Digital Onboarding (KYC/KYB)
  - name: Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com