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Pliant

Fintech · Berlin, Germany · Founded 2020

Pliant is a Berlin-based fintech company established in 2020 by co-founders Malte Rau and Fabian Terner, who have extensive experience in the fintech and banking sectors. The company provides a B2B payment platform centered around smart corporate credit cards, designed to streamline payment processes for businesses. Pliant has secured over $100 million in total funding, with significant contributions from investors like Illuminate Financial, Speedinvest, PayPal Ventures, and Motive Ventures. The company's core offering includes both physical and virtual Visa credit cards that come with features such as high credit limits, cashback programs of up to 1% on transactions, and flexible repayment options. Pliant's platform is built on an API-first design, enabling seamless integration with existing accounting, invoice management, and travel expense systems. This allows for real-time expense tracking, automated receipt management, and customizable spending controls. The business model operates on a tiered pricing structure, including a free starter plan and premium paid plans that offer more advanced features. Revenue is generated through these subscription plans and potentially through interest or fees on outstanding balances. Pliant targets businesses of all sizes with high credit card spending across various industries, including travel, e-commerce, and professional services. The company also offers a 'Cards-as-a-Service' (CaaS) product, which allows partner businesses to launch their own branded credit card programs. Pliant operates across the European Economic Area, holding an e-money license, and supports transactions in multiple currencies. A notable feature is 'Pliant Earth,' a program launched in cooperation with Cozero, which allows customers to automatically offset travel-related CO2 emissions. Keywords: corporate credit cards, B2B payments, spend management, virtual cards, cashback, expense tracking, accounting integration, API-first platform, Cards-as-a-Service, CaaS, fintech, payment solutions, Malte Rau, Fabian Terner, receipt management, CO2 offsetting, Pliant Earth, multi-currency, financial technology, business credit cards