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APIs · head to head

Moov vs Swan

Moov logo

Moov

APIs

Payments API with a published rate card covering card acceptance, ACH and instant payouts

From
$500/month
Rated
-
Full reviewWebsite
Swan logo

Swan

APIs

European banking-as-a-service platform for embedding accounts, cards and payments into other products

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Moov the 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.; Swan its regulatory base and strongest local account coverage are French and European, so companies needing US, UK-post-Brexit-specific, or broader global banking-as-a-service need an additional provider.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Swan covers Embedded business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moov and Swan actually diverge.

Attributes where Moov and Swan differ
AttributeMoovSwan
Starting price$500/monthOn request
Pricing modelPer transaction plus monthly minimumquote
PlatformsWeb, API, iOS, AndroidWeb, API

Identical on both: free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Moov

  • Interchange-plus card acceptance
  • ACH transfers
  • Instant payments
  • Wallets
  • Payment links and invoices
  • Virtual cards
  • Account verification
  • Card account updater

Only in Swan

  • Embedded business accounts
  • Card issuing
  • SEPA payments
  • Local account localisation
  • ACPR regulation
  • Usage-based pricing

What people use each for

The jobs each tool is most often brought in to do.

Moov

  • A vertical SaaS company embedding payments that needs published unit economics to price its own product before signing anythingnot Swan
  • A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Swan
  • A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Swan
  • A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot Swan

Swan

  • A vertical SaaS platform wanting to embed business bank accounts under its own brandnot Moov
  • A marketplace wanting to issue cards to sellers or partners without becoming a licensed banknot Moov
  • A company wanting SEPA payment initiation embedded directly into its own productnot Moov
  • A European fintech wanting to avoid a six-figure setup fee and long lock-in typical of legacy banking-as-a-service dealsnot Moov

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Moov

  • The 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.
  • The 50 cent monthly charge per active wallet penalises platforms with many end users who transact rarely, and that cost grows with your user base rather than your revenue.
  • United States only, so any platform with international sellers or buyers needs a second provider and a second reconciliation process.
  • At very high volume the published interchange-plus markup is less competitive than a directly negotiated acquiring relationship, so success eventually creates a reason to leave.
  • The ecosystem of prebuilt integrations, plugins and third-party tooling is far smaller than Stripe's, so anything outside the core API, from tax handling to subscription logic, is work you build yourself.

Swan

  • Its regulatory base and strongest local account coverage are French and European, so companies needing US, UK-post-Brexit-specific, or broader global banking-as-a-service need an additional provider.
  • Pricing is described only philosophically (usage-based, no big setup fee) rather than published as an actual rate card, so a company still needs a sales conversation to get real numbers.
  • Embedding banking features into a product is a substantial compliance and design undertaking regardless of the vendor, and Swan handling the licence does not remove a platform's own KYC, AML and customer support obligations for the accounts it offers.
  • As a comparatively young, single-country-licensed e-money institution, its balance sheet and regulatory standing carry more concentration risk than a banking-as-a-service offering backed by an established, multi-jurisdiction bank.
  • Local account depth is explicitly limited to France, Germany and Spain, so a platform needing native local accounts in other European countries may find coverage thinner than expected.

Pricing, plan by plan

Moov

$500/month
  • Standard$500/month
    • 500 USD monthly minimum, no setup fee
    • Card online at interchange plus 0.60% and 15c
    • Tap to pay at interchange plus 0.50% and 15c
  • Custom$undefined/month
    • Negotiated rates for high volume
    • Specialised business models
    • Dedicated support

Swan

On request
  • Swan$undefined/month
    • Usage-based pricing, no published rate card
    • No long-term contract or large setup fee required
    • Custom quote based on current, not forecast, usage

Which should you pick?

Choose Moov if

  • You need interchange-plus card acceptance.
  • You work on Web, API, iOS, Android.
  • You also want ach transfers.
Moov review

Choose Swan if

  • You need embedded business accounts.
  • You work on Web, API.
  • You also want card issuing.
Swan review

Questions people ask

Is Moov or Swan better?
Neither clearly leads. Moov starts at $500/month and Swan at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Swan?
Moov starts at $500/month and Swan at On request.
Does Moov or Swan run on more platforms?
Moov runs on Web, API, iOS, Android. Swan runs on Web, API.
What is Moov best used for?
Moov is most often used for a vertical saas company embedding payments that needs published unit economics to price its own product before signing anything, a marketplace paying contractors that wants same-day ach and instant push-to-card in one api with the cost of each visible, a platform that must hold balances for end users between collection and payout without becoming a money transmitter, a software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increases. Of those, a vertical saas company embedding payments that needs published unit economics to price its own product before signing anything and a marketplace paying contractors that wants same-day ach and instant push-to-card in one api with the cost of each visible are not what Swan is typically brought in for.
What can Moov do that Swan cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Swan covers Embedded business accounts, Card issuing, SEPA payments, Local account localisation.

Answered from the vendors’ own pages

Moov: Does Moov publish its prices?

Yes, in unusual detail: interchange-plus card rates, per-transaction ACH and RTP charges, dispute and return fees, and the monthly minimum are all on the pricing page.

Swan: Which countries does Swan offer local accounts in?

France, Germany and Spain specifically, alongside broader SEPA payment coverage.

Moov: What is the monthly minimum?

500 US dollars, with no setup fee. Wallet charges and transaction fees count towards it.

Swan: Is pricing published?

No, Swan describes a usage-based, no-large-setup-fee philosophy but requires a quote for actual numbers.

Moov: Can I use Moov outside the United States?

No. Moov handles US payments only, though it accepts international cards at an extra 1.5 percent.

Swan: Who regulates Swan?

France's ACPR (Autorite de Controle Prudentiel et de Resolution), as a licensed e-money institution.

Moov: Is Moov a bank?

No. It is a payments platform working with partner financial institutions, so account and settlement arrangements depend on those partners.

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