With the card payment links available in the Client Portal, you can provide your clients with a smooth and secure payment experience while reducing payment delays and strengthening your relationship with your clients.

How to activate the card payment link in the Client Portal?

Step 1: Create an account on Swan

If you do not have a Swan account, please follow these steps (otherwise, you can skip directly to step 2):

Contact our customer service via chat to request the activation of the card payment link on Accounts Receivable.
Once the request is made, go to Accounts Receivable > Settings > Payment.
Click on “Manage my account” and follow the instructions to set up your Swan account from the “Card Expenses” page.
Complete the process of creating the Swan account.

Step 2: Create your merchant profile

Once your Swan account is created and validated, or if you already have a Swan account, you need to create a merchant profile:

Go to Accounts Receivable > Settings > Payment.
Click on “Manage my profile” and log in to Swan Web Banking.
Go to the “Merchant” section.
Click on “Access request” and fill in the required information:
1. Merchant name
2. Product type
3. Expected monthly payment volume
4. Expected average transaction
Click on “Request a profile” to submit your merchant profile creation request.

Then, add a payment method:

Under the merchant profile you created, you will find the Payment Methods section.
Click on the “+” button next to the card payment method.
Click on “Request.”

After completing these two steps, wait for Swan to validate your merchant profile and your payment method request.

Step 3: Check your merchant profile and your Swan account

Once your merchant profile and payment methods have been validated by Swan, the function is ready to be used.
In Accounts Receivable > Settings > Payment, you can view information related to your merchant profile and also find a link to access Swan Web Banking.

Payment process for your clients

Access invoices on the Client Portal
1. Your clients can go to their Client Portal and select the invoices they wish to pay.
Initiate payment
1. On the detail page of each invoice, they will see a payment button.
2. By clicking this button, they will be redirected to the payment page provided by Swan.
  🔑 Important: The payment button will only be displayed for invoices in EUR currency and that are not split into multiple installments.
Complete the payment
1. On Swan's payment page, clients can enter their card details and confirm the payment.
2. Once the payment is made, the status of the invoice will be updated in the Client Portal, marked as “Paid.”
3. Clients can view payment details, including the amount paid and the payment date, in the invoice details.

How are invoices updated in Agicap?

Invoice Status in Agicap
1. Once the payment is made, in Agicap the invoice will be marked with a label "💳 Paid by Card".
  🔑 Important: The overall status of the invoice will remain "In Progress" until a manual action is taken (reconciliation or invoice marked as paid).
Transactions in Swan Web Banking
1. After the payment, the transaction will appear in your Swan Web Banking, under the "Upcoming" transactions section.
2. The day after the payment at 6 PM, the transaction will be visible under the "History" page of your Swan Web Banking.
  🔑 Important: Swan holds 100% of the total amount of card payments for 5 business days. Once this period has passed, the funds are released and available in your account.

Important Considerations

Fees are applied to card transactions:
- Within the EU:
  - Personal cards: 1.50% + €0.25
  - Business cards: 2.50% + €0.25
- Outside the EU:
  - Personal and business cards: 2.90% + €0.25
- American Express:
  - Personal and business cards: 3.5% + €0.25
Only invoices in EUR can be paid by this method.
Only invoices not split into multiple installments can be paid by this method.
The overall status of the invoice remains "In Progress" until a manual action is taken (reconciliation or invoice marked as paid).
Swan holds 100% of the total amount of card payments for 5 business days. Once this period has passed, the funds are released and available in your account.

Benefits of the card payment feature

With this feature, you can reduce the payment time for client invoices, helping to decrease the Days Sales Outstanding (DSO).
You can provide a smooth and fast payment experience for your clients.