P

Pliant

B2B payment platform with corporate cards

Overview

Pliant provides a B2B payments platform centered on smart corporate Visa cards. It issues physical and virtual cards with high limits, offers up to 1% cashback, and supports flexible repayment, all through an API-first platform that enables real-time expense tracking and integration with accounting, invoicing, and travel systems. Its differentiators include a Cards-as-a-Service offering for launching branded card programs, multi-currency support with an EU e-money license, and a CO2-offset feature called Pliant Earth. The goal is to simplify and scale corporate spending for businesses and partners by streamlining spend management and enabling branded card programs across Europe.

Funded Recently

Work here?Claim your company

About Pliant

Simplify's Rating
Why Pliant is rated
B
Rated B on Competitive Edge
Rated A on Growth Potential
Rated C on Differentiation

Industries

Data & AnalyticsEnterprise SoftwareFintechFinancial Services

Company Size

201-500

Company Stage

Series C

Total Funding

$305.7M

Headquarters

Berlin, Germany

Founded

2020

Get referred to Pliant

See people who can refer or advise you

Simplify Jobs

Simplify's take

What believers are saying

  • Pliant raised $80 million on November 4, 2026, extending its cash runway.
  • The company says it surpassed $100 million ARR after three straight years of doubling.
  • Six German cooperative banks piloted Pliant in October 2025, validating distribution with incumbents.

What critics are saying

  • JPMorgan, Brex, and Ramp can compress margins and outspend Pliant in the U.S.
  • Pliant’s U.S. model depends on Coastal and Thredd; partner failure would cripple expansion.
  • Agentic payment workflows invite fraud and compliance blowups that can trigger Visa or bank shutdowns.

What makes Pliant unique

  • Pliant bundles commercial cards, reconciliation, FX, and spend controls on one API platform.
  • Its 2026 U.S. launch with Coastal mirrors Europe’s product without rebuilding core infrastructure.
  • Pliant opened payments infrastructure to AI agents using MCP and audit controls.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$305.7M

Above

Industry Average

Funded Over

7 Rounds

Series C funding is usually for startups that are doing well and are looking for more money to fuel major growth, such as acquiring other companies, expanding into global markets, or launching new product lines. Investors typically include larger venture capital firms and private equity.
Series C Funding Comparison
Above Average

Industry standards

$50M
$50M
$62M
$80M
$100M

Benefits

  • Remote Work Options
  • Flexible Work Hours
  • Meal Benefits

Growth & Insights and Company News

6 month growth

1%

1 year growth

3%

2 year growth

1%
Axios
Nov 4th, 2026
Pliant raises $80M to power spend management tools for banks and software firms

Pliant, which helps banks and software companies offer spend management tools, has raised $80 million in Series C funding, chief executive officer Malte Rau told Axios. Banks want to add expense tools and cards to keep business customers from switching to fintechs.

Yahoo Finance
Aug 4th, 2026
Thredd and Pliant launch U.S. commercial credit platform with embedded finance and API-driven reconciliation

Thredd has expanded its partnership with Pliant to launch a commercial credit programme in the US market. The collaboration brings Pliant's embedded finance platform, which offers physical and virtual credit cards with built-in reconciliation and spend controls, to American businesses for the first time. The programme is live on the Visa network with bank sponsorship from Coastal, following a soft rollout in late 2025. Pliant's platform combines credit issuance with lending decisioning and reconciliation tools, enabling businesses to manage expenses and reporting through a single solution. Berlin-based Pliant, founded in 2020, previously operated solely in Europe. The company is now expanding its executive leadership team in the US as part of its North American growth plans. The partnership leverages Thredd's API-driven issuer processing platform to enable cross-border expansion.

Associated Press
Jul 14th, 2026
Pliant launches in the US via Coastal partnership to expand B2B payments platform

Pliant, a Berlin-based fintech specialising in B2B payment solutions, has launched in the United States through a partnership with Coastal Financial Corporation. Coastal will serve as Pliant's sponsor bank, enabling compliant market entry and scalability in the commercial card market. The collaboration allows Pliant to support agent-based issuing structures and expand across the US banking ecosystem. Founded in 2020, Pliant operates a modular payments platform combining card issuing and spend management through an API-first system. Coastal, based in Everett, Washington, provides Banking-as-a-Service solutions through its CCBX segment. The bank holding company operates Coastal Community Bank, which has $4.74 billion in assets and maintains 14 branches across Washington state counties.

IT桔子
May 7th, 2025
Pliant Secures $40M Series B Funding

Pliant, a company specializing in next-generation corporate credit cards, has secured $40 million in a Series B funding round. The investment was led by Illuminate Financial.

Fintech Gate
Apr 30th, 2025
Pliant raises $40M in Series B funding

European fintech startup Pliant has raised $40 million in a Series B funding round, bringing its total funding to over $100 million. The company aims to expand into the U.S. market, offering smart and flexible B2B payment solutions. The round was co-led by Illuminate Financial. Pliant recently acquired Austrian insurtech hi.health to integrate payment options into insurance claims. The previous funding round, supported by PayPal Ventures, raised $19 million.

Recently Posted Jobs

Sign up to get curated job recommendations

Pliant is Hiring for 40 Jobs on Simplify!

Find jobs on Simplify and start your career today

Don't see your dream role? Check out thousands of other roles on Simplify.Browse all jobs