Cards concepts

The models behind Swan cards: the three card formats, how cards relate to account memberships, card products and packages, design, and spending limits.

The card model

Swan offers Mastercard debit cards to all of your account members. Swan cards are accepted everywhere Mastercard is accepted, though there can be risk-based restrictions imposed in certain situations. Mastercard's exchange rate applies to card transactions outside of SEPA.

Individual account holders are issued consumer debit cards, while company account holders receive business debit cards. The fee per card depends on your contract with Swan and is detailed in your Swan Terms and Conditions. Note that cards don't come with insurance.

Card payments

Refer to the card payments section for information about paying with your Swan cards.

Card formatsThe three formats, creation order, and how cards attach to members.

Virtual cardsThe default card and the card contract every card is built on.

Single-use virtual cardsOne-off and recurring cards that avoid 3DS consent.Virtual card statusesFrom consent to cancelation.

Physical cardsPlastic cards: printing, PIN, delivery, and renewal.

Name printed on cardLegal name rules, additional lines, and number plates.PINChoosing, availability, and incorrect attempts.Delivery and shippingDelivery address and printing hubs.Maestro fallbackThe embedded Maestro application for the Netherlands.RenewalThe 3-year renewal cycle and its checkpoints.Physical card statusesMain lifecycle and renewal statuses.

Digital cardsApple Pay and Google Pay provisioning.

Digital card statusesProvisioning and post-provisioning lifecycles.

Card productsDesign, settings, packages, and card language.

Card packagesTiers, features, and insurance.

Card designStandard and custom designs, and packaging.

Spending limitsRolling and calendar periods, and how they're calculated.