Swile Brasil

What Swile Brasil does

Swile Brasil is the São Paulo-based Brazilian subsidiary of Swile SAS, a French employee benefits platform founded in 2018. The company operates as a financial-services entity delivering Swile's broader product ecosystem to Brazilian enterprises and their workforces, with 51-100 employees focused on localizing and commercializing the platform in the Brazilian market. The offering is anchored by the Swile Card — a unified physical and virtual payment card that consolidates multiple employee benefits (meal vouchers, gift cards, mobility allowances, culture benefits, and corporate travel) onto a single instrument with automatic spend routing by transaction type, supported by a mobile app for card management and real-time budget tracking.

At the technology level, Swile's core innovation is its proprietary Smartcard technology, which uses automatic account detection to route transactions to the correct benefit pool. The platform is backed by regulated e-money infrastructure: Treezor SAS (ACPR No. 16798) and the in-house Swile Payment entity (ACPR No. 17508) provide the underlying wallet and card-issuance capabilities, while AWS hosts data within the EU. The platform integrates with Apple Pay and Google Pay for contactless and virtual-card usage, uses the CONECS network for merchant acceptance of dematerialized vouchers, and supports paper-voucher processing via TESSI. An AI-based engine automates mobility-expense reimbursement eligibility verification and document handling, with manual review for contested cases. Merchant-affiliate commissions and B2B enterprise subscriptions form the two principal revenue streams, with the parent group serving 85,000 corporate clients and 5.5 million employees across France (post-Bimpli integration). Swile Brasil represents the parent's geographic push into Latin America, though no Brazil-specific revenue, customer counts, or contract values are disclosed in the source data.

Name

Swile Brasil

Legal name

Swile

Website

https://swile.co

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Swile Brasil is the São Paulo-based Brazilian subsidiary of Swile SAS, the French employee benefits platform. Founded in 2018 with 51-100 employees, it serves Brazilian enterprises and employees with a unified digital card consolidating meal vouchers, gift cards, mobility, culture, and travel benefits.

Ownership category

akta.pro rank

Product category

Employee Benefits Management

NAICS

Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Travel Wallets & Prepaid Accounts (Multi-currency, Per-diem) (THACAJAC)

akta.pro secondary industries

Travel Money Cards & Multi-Currency Prepaid (FSAMANAI), Co-Branded Card & Card-Linked Offers Enablement (Issuer/Network Integrations) (THALAKAI)

Keywords

• Employee benefits platform
• Digital meal vouchers
• Corporate payment cards
• HR benefits management
• Expense reimbursement software

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Commission from Merchant Affiliates: Swile charges merchants (restaurants, retailers) a commission on each transaction processed via the Swile Card. Commission rates are defined in individual commercial conditions (CPA). No fixed fees or commitment required. Reimbursement to merchants typically within 24-48 hours via their acquiring bank.
2. Enterprise Subscription / B2B Platform Fees: Companies and CSEs subscribe to Swile's platform to provide employee benefits (meal vouchers, gift cards, mobility, travel). The company promotes its solution through direct sales to HR departments and CSE decision-makers. Pricing is quote-based, not publicly disclosed.
3. Swile Travel - Corporate Travel Management: Swile Travel enables employees to book professional trips (flights, trains, hotels, car rentals) through the platform, with corporate approval workflows and consolidated invoicing to the employer.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Swile Brasil provides an all-in-one employee benefits platform centered on the Swile Card, a unified physical and virtual payment card that consolidates meal vouchers (Titres-Restaurant), gift vouchers (Titres-Cadeaux), mobility benefits, culture checks, and business travel onto a single instrument backed by a mobile app and web portal. Companies subscribe to distribute digital benefits to their workforce, while a merchant affiliate network (including the integrated Bimpli brand) accepts Swile Card payments with rapid reimbursement.

Product overview

Swile is an all-in-one employee benefits platform that consolidates multiple employee perks onto a single physical and virtual Swile Card. The core product, the Swile Card, unifies meal vouchers (Titres-Restaurant), gift vouchers (Titres-Cadeaux), mobility benefits (Mobilité), and culture checks into one card with contactless payment. The platform is accessed via the Swile App (iOS/Android) and web portal. Additional modules include Swile Travel (business trip booking and management), Notes de Frais (expense report automation), Mon CSE (employee social committee platform), and Services à la Personne (personal services). The acquired brand Bimpli (paper and dematerialized meal vouchers) recently joined Swile, expanding the user base to 5.5 million employees across 85,000 companies. The platform enables real-time budget tracking, transaction notifications, card management (lock/unlock, contactless), and virtual card enrollment via Apple Pay and Google Pay.

Differentiator

Problem solved

Functional benefit

Brands

• Bimpli: A solution of meal vouchers in paper and/or dematerialized format, also offering volunteer meal vouchers, volunteer meal checks, and personalized food support vouchers in paper format.

Products and services

• Swile Card A unified physical and virtual employee benefits card that consolidates meal vouchers, gift vouchers, mobility benefits, and culture checks into a single card with contactless payment, real-time budget tracking, and mobile app management. Sold to companies for distribution to employees and used by employees to pay at affiliated merchants.
• Titres-Restaurant (Meal Vouchers) Dematerialized meal vouchers that allow employees to pay for meals at affiliated restaurants and retailers using the Swile Card or mobile payment (Apple Pay, Google Pay), replacing paper vouchers and compliant with CNTR regulations.
• Titres-Cadeaux (Gift Vouchers) Gift vouchers for employees that can be spent at a wide network of affiliated merchants, both in-store and online, managed through the same Swile Card.
• Mobilité (Mobility Benefits) Sustainable mobility benefits including bike subsidies, public transit passes, and AI-powered reimbursement of mobility expenses, all loaded onto the Swile Card.
• Swile Travel Business travel management solution enabling employees to book professional trips (flights, trains, hotels, car rentals) with corporate approval workflows, reservation management, and consolidated invoicing to the employer.
• Notes de Frais (Expense Reports) Expense report management solution that automates reimbursement workflows including supporting document handling, approval by designated managers, and bank account reimbursement.
• Mon CSE Employee Social Committee (CSE) platform providing a communication portal for publishing organigrams, articles, surveys, organizing social and cultural activities, managing subsidies, and processing reimbursements with supporting documents.
• Services à la Personne Personal services benefit solution allowing loading of accounts for home services, with eligibility verification and document processing for compliant reimbursement.
• Swile App Mobile application available on iOS and Android enabling employees to manage their Swile Card (lock/unlock, contactless activation), track budgets in real-time, order up to 3 physical cards, and access all Swile services.
• Bimpli An acquired brand providing paper and dematerialized meal vouchers (TRD), voluntary meal checks, volunteer meal tickets, and personalized food support vouchers, all integrated into the Swile ecosystem.

Quantifiable outcome

• 33% increase in average basket size compared to paper meal vouchers
• +4 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability1 record

Feature6 records

Partnerships

Ten partnerships are on record, tiered core, support and flagship.

• Treezor SAScoreTechnology or IntegrationTreezor SAS is an ACPR-licensed e-money institution (registered under No. 16798) that provides the e-money wallet infrastructure for Swile's payment card. Swile acts as a sub-processor under Treezor's e-money license for card payments and wallet services. Treezor's privacy policy is referenced in Swile's privacy documentation.
• Swile PaymentcoreTechnology or IntegrationSwile Payment is an ACPR-licensed e-money institution (registered under No. 17508) that provides e-money wallet infrastructure for Swile. Depending on configuration, Swile uses either Treezor or Swile Payment as its e-money institution partner.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS hosts Swile's data within the European Union as the primary cloud infrastructure provider. Referenced in the privacy policy as the hosting provider.
• SalesforcecoreTechnology or IntegrationSalesforce is used for processing client and prospect identification data (KYB) at Swile. Referenced in the privacy policy as a sub-processor.
• BrazecoreTechnology or IntegrationBraze is used for sending transactional and commercial emails to users. Referenced in the privacy policy as a sub-processor.
• Zendesk / Intercom / WebhelpsupportImplementation/ SI/ Consulting PartnerCustomer support platforms used for processing user requests via the support team. Referenced in the privacy policy as sub-processors.
• TESSIcoreTechnology or IntegrationTESSI SA (based in Grenoble, RCS 071 501 571) manages the collection and reading of paper meal vouchers (titres papier) submitted by Bimpli affiliates. Handles the physical processing and preparation of paper vouchers for reimbursement.
• CONECScoreTechnology or IntegrationCONECS is the private mutualized network used for acquiring electronic transactions from Bimpli dematerialized meal voucher cards (TRD). Merchants use CONECS-instantiated payment terminals to accept Bimpli digital meal vouchers.
• BimpliflagshipStrategic or Co-development PartnerBimpli is a subsidiary brand of Swile that provides paper and dematerialized meal vouchers, volunteer meal checks, volunteer meal vouchers, and personalized food support checks. Bimpli recently integrated with Swile, combining user bases of 5.5 million. The integration aims to accelerate the transition from paper to card and improve payment experience.
• Third-party Travel Providers (Railways, Airlines, Car Rental, Hotels)coreTechnology or IntegrationIn the Swile Travel service, beneficiary data is shared with railway companies, airlines, car rental companies, and hotels for booking and fulfillment of professional travel. These partners may also contact beneficiaries directly regarding their reservations.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Spendesk: Spendesk is a French spend management platform combining corporate cards, expense management, and AP automation. It is a relevant peer for Swile's expense report and corporate card/payments modules in the French market.
• Edenred: Edenred is the global leader in meal vouchers and employee benefits (Ticket Restaurant), with deep presence in the French market. It is Swile's largest direct competitor across meal voucher issuance, gift cards, and corporate expense products.
• Sodexo (Pluxee): Sodexo's Pluxee spin-off is one of the world's largest meal voucher and employee benefits issuers. It competes directly with Swile in France and across Europe on dematerialized meal vouchers and corporate benefits platforms.
• Bimpli: Bimpli was a direct French competitor in dematerialized meal vouchers prior to being acquired by Swile. Now a wholly-owned subsidiary brand, it is the closest historical peer in terms of customer base and product offering.
• Up Coop (Up Déjeuner): Up Coop is a major French cooperative issuing the Up Déjeuner meal voucher and related employee benefits products. It directly competes with Swile in the French meal voucher market and corporate benefits space.

Broad incumbents

• Workday: Workday is a leading cloud HCM and finance platform with embedded employee benefits and expense management functionality. It represents a broad incumbent that could expand deeper into Swile's HR/benefits workflow territory.

Emerging players

• Pleo: Pleo is a European corporate card and expense management platform serving SMBs and mid-market. It is comparable to Swile on the corporate card and expense automation layer, particularly across Northern Europe.
• Navan (formerly TripActions): Navan is a corporate travel and expense management platform. It is comparable to Swile Travel's booking and approval workflow offering, while bringing broader TMC capabilities and negotiated supplier inventory.
• Circula: Circula is a Germany-based employee expense and benefits management platform. It overlaps with Swile's Notes de Frais and benefits management modules, particularly for German-speaking mid-market employers.

Others

• Lunchr: Lunchr was a French meal voucher startup that was acquired by Edenred in 2019. It is relevant as a historical direct competitor whose exit validated consolidation dynamics in the French meal voucher market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCBxJsy2CPRDiQOlEY2P6RPQ
• LinkedInlinkedin.com/company/swile-brasil
• Instagraminstagram.com/swilefrance
• Xx.com/swilebrasil
• Facebookfacebook.com/swileglobal

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Swile Brasil