# Pliant

> Pliant is a Berlin-based B2B fintech that turns corporate payments into programmable infrastructure. Its API-first platform lets companies issue physical and virtual credit cards, automate spend controls and receipt handling, and plug card data straight into accounting systems like DATEV and NetSuite. Through its cards-as-a-service model, banks and software platforms can launch their own branded card programs. Founded in 2020 by Malte Rau and Fabian Terner, Pliant runs on the Visa network across 30-plus countries, serves more than 3,500 businesses, and raised a $40M Series B in 2025 to expand into the United States.

- **Founded:** 2020
- **Headquarters:** Berlin, Germany
- **Founders:** Malte Rau (CEO & Co-Founder), Fabian Terner (Co-Founder & Chief Product Officer)
- **Team size:** ~250-345 employees
- **Products:** Payment Apps, Pro API, Cards-as-a-Service (CaaS) & Banking-as-a-Service, Card & Spend OS, Physical & Virtual Cards
- **Notable:** Raised over $100M in total funding across seed, Series A and Series B, Grew to 3,500+ business customers and 20+ partner platforms, Licensed EU e-money institution passported across the EU

## Products & services

- **Payment Apps** — Digital corporate credit cards with real-time transaction monitoring, spend controls, approval workflows and accounting automations, managed via web and mobile apps.
- **Pro API** — An API-first product for customizable, scalable payment automation - programmatic card issuance, single-use virtual cards and transaction insights.
- **Cards-as-a-Service (CaaS) & Banking-as-a-Service** — White-label card issuing that lets banks and non-financial platforms launch their own branded credit card programs on Pliant's rails.
- **Card & Spend OS** — Enterprise infrastructure for banks and large institutions to launch and run modern credit card programs.
- **Physical & Virtual Cards** — Physical, premium metal, virtual and single-use Visa cards spanning travel, fleet, employee, benefit, insurance-claim and emergency-disbursement use cases across 30+ countries and multiple currencies.
- **Receipt Management** — ML-powered receipt capture, matching and automated submission with direct integrations to DATEV, NetSuite, Microsoft Dynamics and more.
- **Cashback & Benefits** — Unlimited cashback redeemable to business accounts, plus airport lounge access and travel insurance on premium tiers.

## Achievements

- Raised over $100M in total funding across seed, Series A and Series B
- Grew to 3,500+ business customers and 20+ partner platforms
- Licensed EU e-money institution passported across the EU
- PCI DSS Level 1 and ISO/IEC 27001:2022 certified
- Acquired Friday Finance (2023) and Austrian insurtech hi.health (2025)
- Launched in the United States via a Coastal Community Bank sponsorship (2025)
- Reported triple-digit revenue growth in consecutive years

## Latest updates

- **2025-04** — Closed a $40M Series B led by Illuminate Financial and Speedinvest to fund US expansion and team growth.
- **2025-04** — Acquired Austrian insurtech hi.health, moving into digital insurance and healthcare payments.
- **2025-07** — Launched in the US via a Coastal Community Bank sponsorship, enabling card issuance across all 50 states.
- **2026-07** — Partnered with Trevium on guaranteed transaction enrichment for corporate travel billing data.

## Links

- Website: https://www.getpliant.com
- LinkedIn: https://www.linkedin.com/company/getpliant
- Twitter/X: https://x.com/paypliant
- YouTube: https://www.youtube.com/@getpliant
- Instagram: https://www.instagram.com/getpliant/

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Profile page: https://yespress.io/pliant
Published by YesPress — https://yespress.io
Last updated: 2026-07-18