Setting a new benchmark for Verification Of Payee reliability across Europe
European embedded banking leader Swan partnered with Mambu to meet the Verification Of Payee (VOP) requirement in record time, achieving a seamless rollout and near-perfect performance where others faced high failure rates.
- <0.0%
- "Not possible" rate versus ~12% market average
- €0bn+
- monthly transactions processed
- 0+
- partners served across 30 countries in Europe
Swan
About the customer
Swan is a European fintech specialised in embedded banking. It enables businesses to integrate banking features—accounts, cards, and payments—directly into their software.
Processing over 2 billion euros in monthly transactions for 150+ companies including Pennylane, Indy, Agicap, Libeo and Lucca, Swan operates across 30 European countries. Founded in 2019 and backed by Lakestar, Accel, Creandum, Bpifrance and Eight Roads, the company is a principal member of Mastercard and a licensed financial institution regulated by the ACPR (Banque de France).
By handling regulatory and technical complexity, Swan powers the next generation of European business software—from accounting to HR to all-in-one management platforms. It provides the financial layer that helps hundreds of thousands of SMEs operate and grow with confidence.
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