Card programs for your B2B product
Build and operate B2B card programs with Pliant. Our Cards-as-a-Service platform combines card issuing with the essential Banking-as-a-Service capabilities required for non-financial companies to run real-world financial products.
Grow your business with your own card program
Design and launch your own program using our modular Cards-as-a-Service platform. Pliant provides the card issuing layer alongside the banking-as-a-service capabilities required to operate real-world embedded finance products: covering compliance and settlement.
Build a complete card product
Create branded B2B card programs with issuing, controls, and BaaS capabilities: designed to fit seamlessly into your product.
Unlock new revenue streams
Monetize payments, interchange, and card usage while expanding into new markets without building infrastructure from scratch.
Increase customer engagement
Embed cards directly into your product's core workflows to drive repeat usage, increase retention, and increase long-term customer value.
Gain actionable insights
Access detailed transaction and spend data to better understand your customers' behavior and inform product and business decisions.
CaaS Features built for real-world card programs
Card issuance & management
Create and operate physical and virtual cards with flexible lifecycle controls, limits, and configurations built for B2B card programs.
Advanced data capabilities
Access enriched transaction data and reporting to support reconciliation, monitoring, and data-driven decision-making.
Ready-made UI
Provide cardholders and administrators with a production-ready interface for card controls, transactions, and visibility.
Compliance & security
Run card programs within a built-in compliance framework covering KYC, AML, and scheme requirements.
Dedicated support
Receive hands-on operational and regulatory support throughout onboarding, launch, and ongoing program operations.
CaaS API
State-of-the-art RESTful API to enhance your customer experience with credit card features.
See how credit cards grow your revenue
Monetize card spend, FX and additional software fees without building a card program from scratch yourself.
Modular digital credit card services
Pliant CaaS is a versatile, modular solution. You can pick and choose layers depending on your needs — each provides maximum customization and efficiency:
Support layer
Offers expert assistance throughout all project phases, including technical implementation and ongoing card issuance. Smooth operations and quick issue resolution.
Frontend layer
Features user-friendly administrative and cardholder applications, equipped with real-time management capabilities for an intuitive user experience.
Backend layer
Boasts a state-of-the-art API infrastructure, facilitating easy and flexible product or application integration.
Regulatory layer
Ensures compliance with KYC/AML checks and provides continuous risk and compliance monitoring, essential for maintaining trust and legality.
Banking layer
Addresses all credit card requirements, simplifying the launch and management of card programs for businesses.
Banking-as-a-Service functionality
Business accounts
Provide dedicated business accounts to hold funds, manage balances, and support settlement for card programs and related financial flows.
Global bank transfers
Enable domestic and international transfers to move funds in and out of business accounts, supporting payouts, settlements, and cross-border operations.
Multi-currency accounts
Make transactions in 11 different currencies and reduce conversion costs for good.
Solutions
Learn how Pliant's CaaS solution works for different industries and use cases.
Enhance the customer experience with real-time data and reporting for optimal financial decisions.
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Give your customers simpler invoice payments and real-time expense tracking.
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Enable hassle-free travel expense management and direct purchasing power through credit cards.
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Open up new revenue streams and improve your risk management through enhanced spend controls and real-time data insights.
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Enhance the customer experience with real-time data and reporting for optimal financial decisions.
Learn moreGive your customers simpler invoice payments and real-time expense tracking.
Learn moreEnable hassle-free travel expense management and direct purchasing power through credit cards.
Learn moreOpen up new revenue streams and improve your risk management through enhanced spend controls and real-time data insights.
Learn more
Get started with CaaS API
Integrate card issuing and management directly into your product using Pliant’s CaaS API. The API gives you programmatic access to core card functionality, including card creation, lifecycle management, transactions, and controls. Comprehensive documentation, sample requests, and Postman collections help teams implement quickly and operate card programs reliably at scale.
FAQs
We also offer our card management frontend that can be fully white labeled in addition to the REST-API infrastructure.
No, you can leverage Pliant's existing license setup to offer adjacent financial services to your customers.
No, we will take care of KYC, credit risk assessment, and ongoing compliance and risk monitoring with our in-house team of experts.
No, you can benefit from Pliant’s deeply rooted B2B credit card expertise when it comes to designing your ideal card solution. We provide you with the knowledge, tech capabilities, banking, and compliance infrastructure to launch your own solution.
Yes, we can provide you with the underwriting and banking capabilities so you’re able to offer revolving credit lines to your customers.
You can offer Visa Premium Business Cards to your customers, which have highest worldwide acceptance and credit card benefits like no restrictions on acceptance from hotels, rental cars etc.
Yes, Pliant is certified as a PCI/DSS certified organization enforcing the highest security standards for data protection.
Due to our plug-and-play setup you can launch your card program as quickly as five weeks.
Ready to partner with us?
Contact us today to explore how Pliant's Cards-as-a-Service can transform your product. Let's discuss the possibilities and embark on the journey together.