Swile
Swile is a French employee benefits platform that consolidates meal vouchers, gift cards, mobility, and culture checks into a single smartcard and app, serving 85,000+ companies and 5.5 million users across France and Brazil.
- Company typePrivate
- Founded2017
- HeadquartersParis, France
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Swile does
Swile is a French employee benefits technology company that issues a single smartcard — the Swile Card — consolidating multiple benefit categories (meal vouchers, gift cards, mobility allowances, and culture checks) into one payment instrument accepted at all standard contactless terminals and digital wallets (Apple Pay, Google Pay). Founded in Montpellier in 2017 (originally as Lunchr) and operating in France and Brazil, the company pairs the physical/virtual card with the Swile App for real-time budget monitoring, notifications, temporary card locking, and multi-card ordering. The platform is built on a regulated payments stack: Swile Payment holds an ACPR electronic money institution license (17508) and partners with Treezor (license 16798), while meal voucher issuance requires CNTR accreditation and transactions can transit the CONECS shared network.
The product portfolio extends well beyond the card. Swile Travel (reinforced by the May 2022 Okarito acquisition and a strategic partnership with Trainline Partner Solutions covering European rail including Renfe, Iryo, and Italo) provides business trip booking with approval workflows and consolidated invoicing. Notes de Frais handles expense reporting and reimbursement, while Swile Insights and Mon CSE serve employee representative committees with internal communications, polls, event management, and subsidy administration. Bimpli, acquired and integrated under Swile ownership, contributes paper and digital meal voucher reach, while Enfuce powers a multi-benefit combo card launched in Brazil in November 2025 targeting over one million users by mid-2026.
Swile generates revenue through four interlocking streams: negotiated per-transaction merchant commissions on meal and gift voucher spend; enterprise subscription fees for HR departments and CSEs using the platform; transaction-based fees from Swile Travel and Bimpli+ supplementary payments (where employees cover voucher shortfalls via personal credit card or preloaded wallet); and ancillary financial services. Distribution is multi-channel — direct enterprise sales to HR departments, a long-tail affiliate merchant network (including food delivery platforms Uber Eats and Deliveroo), self-serve employee onboarding through the app, and partner-led distribution through Bimpli, Trainline, and Enfuce. With 85,000+ corporate clients, 5.5 million end users, 13% share of the French digital meal and gift voucher market, and a $1 billion unicorn valuation achieved via a $200M SoftBank-led Series D in October 2021, Swile sits as the dominant French-headquartered specialist in digital employee benefits.
Swile firmographics
Firmographics- Name
- Swile
- Legal name
- Swile, société par actions simplifiée
- Website
- https://swile.co
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Swile is a French employee benefits platform that consolidates meal vouchers, gift cards, mobility, and culture checks into a single smartcard and app, serving 85,000+ companies and 5.5 million users across France and Brazil.
- Ownership category
- akta.pro rank
Swile industry classification
Industry- Product category
- Employee Benefits Management Software
- NAICS
- Credit Card Issuing (522210), Travel Agencies (56151)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Rewards, Rebates & Program Optimization (Interchange, Supplier-funded) (THACAJAK)
- akta.pro secondary industries
- Fraud Prevention, Controls & Compliance (MCC controls, AML/KYC, SCA) (THACAJAG), Co-Branded Card & Card-Linked Offers Enablement (Issuer/Network Integrations) (THALAKAI), Accounts Payable Automation & Invoice Payments for Travel Suppliers (THACAJAI)
Keywords
Where Swile is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
Swile business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Merchant Commission: Swile charges merchants (restaurants, retailers) a commission on each transaction processed through the Swile card. Commission rates are negotiated individually and specified in Particular Conditions. Merchants receive reimbursement within 24-48 hours after transaction.
- Enterprise Subscription: Companies subscribe to Swile's employee benefits platform to provide meal vouchers, gift cards, mobility benefits, and travel management to employees. Revenue generated from企业对服务的订阅fee.
- Bimpli+ Payment Service: Supplementary payment service allowing employees to cover amounts exceeding their voucher balance using preloaded e-wallet funds from personal credit cards.
- Swile Travel: Business travel booking and expense management services for corporate clients, integrated with Trainline and rail carriers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Commission-based merchant pricing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Swile product offering
Product offeringCore offering
Swile provides an all-in-one employee benefits platform centered on a proprietary smartcard that consolidates dematerialized meal vouchers, gift cards, mobility benefits, and culture checks into a single physical or virtual card. Companies subscribe to issue the Swile Card to their employees and gain access to the Swile App for real-time budget management, plus add-on modules for business travel booking (Swile Travel), expense reports, and CSE committee management. Merchants join an affiliate network to accept Swile payments, with transaction commissions negotiated individually.
Product overview
Swile is an all-in-one employee benefits platform built around the Swile Card—a unified physical and virtual smartcard that consolidates multiple benefit types (meal vouchers, gift vouchers, mobility, culture checks) into a single payment instrument. The platform operates on a platform-plus-modules architecture with the core Swile Card as the foundation, supplemented by additional service modules including Swile Travel (business travel booking), Notes de Frais (expense reports), Swile Insights (employee engagement), Mon CSE (committee management), and Bimpli (an acquired brand offering paper and digital meal vouchers). The platform also includes a personal wallet (Compte Personnel) for supplement payments and supports Apple Pay and Google Pay integration. Swile serves companies in France and Brazil, processing benefits through networks including CONECS for meal vouchers.
Differentiator
Problem solved
Functional benefit
Brands
- Bimpli: A solution of Swile for meal vouchers under paper and/or dematerialized format, also including volunteer meal vouchers, volunteer meal checks, and personalized food support checks under paper format.
- Swile Card
- Swile Travel
Products and services
- Swile Card
Quantifiable outcome
- 33% increase in average basket compared to paper meal vouchers
- +5 more outcomes
Companies that use Swile
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles4 records
Swile technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability3 records
Feature5 records
Swile partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Trainline Partner SolutionscoreExpanded strategic partnership to include additional rail carriers (Renfe, Iryo, Italo) in Italy and Spain, facilitating corporate rail travel across Europe through Swile Travel platform. Integration provides comprehensive booking system for business trips.
- EnfucecoreLaunched next-generation multi-benefit combo card in Brazil targeting over 1 million users by mid-2026. Card allows flexible spending across multiple benefit categories and integrates with digital payment platforms.
- Amazon Web ServicescoreAWS provides cloud hosting services for Swile data in the European Union, supporting the platform's infrastructure and data security requirements.
- Treezor / Swile PaymentcoreElectronic money institution (EME) providing payment account services for the Swile card. Treezor is ACPR-regulated (license 16798), with Swile Payment also licensed (license 17508). Handles e-wallet and payment processing.
- OkaritominorAcquired for €6 million in May 2022. Fourth acquisition in two years, enhancing Swile's business travel expense management services.
- BimplicoreBimpli integrated with Swile, combining user bases to reach 5.5 million users. Bimpli provides paper and digital meal voucher solutions under Swile ownership, extending merchant network reach.
Scale indicators6 records
Recent moves9 records
Expansion highlights6 records
Swile competitors and assessment
Company assessmentEmerging players
- Spendesk: French-based corporate spend management platform offering corporate cards, expense management, and AP automation. Overlaps with Swile's Notes de Frais and corporate payment capabilities.
- TravelPerk: Corporate travel booking and expense platform. Direct competitor for Swile Travel, serving similar enterprise HR and finance buyers with overlapping corporate travel functionality.
- Pleo: European corporate card and expense management platform. Competes for similar B2B employer customers seeking modern payment and expense solutions.
- Spendit: European corporate prepaid card and expense management provider. Offers comparable employee benefits and corporate card functionality to Swile across European markets.
Regional players
- Ticket Log (Edenred Brazil): Brazilian arm of Edenred offering fuel, meal, and corporate benefits. Competes with Swile's Brazilian meal voucher and corporate card offerings in Latin America.
- Alelo: Brazilian market leader in meal vouchers (Refeição) and corporate benefits. Direct competitor for Swile's Brazilian expansion with established enterprise relationships and regulatory expertise.
- VR Benefícios (Sodexo Brazil): Brazilian meal voucher and corporate benefits subsidiary of Sodexo. Directly competes with Swile's Brazilian expansion with deep local merchant network and employer relationships.
Direct peers
- Edenred: Global market leader in employee benefits and meal vouchers (Ticket Restaurant). Directly competes with Swile in France and internationally with a far larger acceptance network and established enterprise client base.
- Up (formerly Up Coopérative / Chèque Déjeuner): French cooperative offering meal vouchers, gift cards, and employee benefits. Competes directly with Swile in the French titre-restaurant market with similar product scope.
- Pluxee (formerly Sodexo BRS): Spun off from Sodexo in 2024, Pluxee is a direct competitor in the employee benefits and meal voucher space with global reach and the legacy Sodexo enterprise customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Swile social profiles
Digital presenceSwile compliance and trust
Trust signalCompliance4 records
Swile financial estimates
Financial estimateRevenue estimate
Valuation estimate
Swile leadership team
Management profileNumber of profiles
Profiles9 records
Swile subsidiaries and ownership
Company hierarchySubsidiaries1 record
Swile funding detail
Funding detailFunding overview
Funding rounds5 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Swile M&A and investment
M&A and investmentM&A2 records
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Swile
What does Swile do?
Swile provides an all-in-one employee benefits platform centered on a proprietary smartcard that consolidates dematerialized meal vouchers, gift cards, mobility benefits, and culture checks into a single physical or virtual card. Companies subscribe to issue the Swile Card to their employees and gain access to the Swile App for real-time budget management, plus add-on modules for business travel booking (Swile Travel), expense reports, and CSE committee management. Merchants join an affiliate network to accept Swile payments, with transaction commissions negotiated individually.
Is Swile a public or private company?
Swile is a private company. It is classified as venture growth investor backed and is currently operating.
When was Swile founded?
Swile was founded in 2017. It employs 501 to 1,000 people.
Where is Swile based?
Swile is headquartered in Paris, France, in the Europe region.
How does Swile make money?
Four revenue lines are on record. Merchant Commission is the primary driver. The others are enterprise Subscription, bimpli+ Payment Service and swile Travel.
Who are Swile's main competitors?
Emerging players on record are Spendesk, TravelPerk, Pleo and Spendit. Regional players are Ticket Log (Edenred Brazil), Alelo and VR Benefícios (Sodexo Brazil). Direct peers are Edenred, Up (formerly Up Coopérative / Chèque Déjeuner) and Pluxee (formerly Sodexo BRS).
Does Swile have an API?
No public API is recorded for Swile.
What industry is Swile in?
Swile's product category is Employee Benefits Management Software. Its primary akta.pro industry code is THACAJAK, Rewards, Rebates & Program Optimization (Interchange, Supplier-funded), with a secondary code of THACAJAG, Fraud Prevention, Controls & Compliance (MCC controls, AML/KYC, SCA). Its NAICS code is 522210 and its SIC code is 6159.