Audience:
Card packages
A bundle of features, insurance, and pricing, in three tiers, that applies to every card you issue.
Launch market-ready card products faster by selecting a card package.
When you create a card product, you select a package.
Packages come in three tiers: Standard, Essential, and Premium.
Each includes different features and pricing.
To configure a package, follow the guide to configure your card product; once set, the package automatically links to newly issued cards.
Card package comparison
| Feature | Standard tier | Essential tier | Premium tier |
|---|---|---|---|
| Insurance coverage | Standard | Essential | Premium |
| Spending limits | €10,000 | €40,000 | €100,000 |
| Foreign exchange (FX) fees | 2% | 1% | 0% |
| Card design | Plastic (black or silver) | Plastic (black or silver) | Metal |
All tiers support branded and custom card designs.
You can't add card packages to existing cards. If you want to offer a card package to existing users, create a new card product and issue new cards.
Card package billing
Billing for card packages, whether to you (the Partner) or your user, depends on your Swan contract, the selected card package, and your chosen billing model. Fees include:
- Card subscription: Monthly fee per active card.
- FX fees: Applied to non-euro transactions.
- Physical cards: One-time printing and shipping fee (billed to Partner only).
For more information, see the usage-based billing metrics. For detailed pricing, refer to your Terms and Conditions or submit a request to Swan Support.
Card insurance
When a card is issued with a package that includes insurance, Swan activates insurance coverage with its insurance partner if the prerequisites are met. No action is required from you or your users.
- Account membership:
Enabled - Account holder verification status:
Verified
If the necessary prerequisites aren't met, the insurance isn't activated.
The status is reflected through the CardInsuranceSubscriptionStatus, and progresses through: Pending → Processing → Enabled, or Canceled.
Insurance is Canceled when the associated card is canceled.
For the coverage included with each tier and how users file claims, see the insurance and claims reference.