The Future of Card and Spend, Made for Banks
Lead the market, don't react to it. Launch, scale, and evolve best-in-class modern B2B card programs with Pliant as your technology partner.
Launch a market-leading card and spend management program in just 12 weeks
Pliant’s Card & Spend OS integrates with your existing core, allowing you to capture the digital-first B2B market with highly fine-tuned product configurations without legacy risks.
Accelerate go-to-market
Take your customized corporate credit card program to market in weeks not months, keeping client relationships in-house.
Launch new features under your own brand
Tailor your end-to-end program with the in-demand technology features your business customers value most.
Increase card usage
Easier card issuing, usage, and management lead to much higher engagement and significantly increased card spend—up to 5× after adoption.
Grow revenue with spend management
Offer businesses customers a best-in-class spend management solution in a unified platform, unlocking new high-margin software revenue for your brand
Get real-time insights
Manage your entire corporate card program with intuitive back office tools. Track performance, configure functionality and gain real-time insights without complex setup.
Enterprise-level security
Engineered for bank-grade assurance: protect your clients with enterprise-grade compliance, data protection, and operational resilience.
A scalable, future-ready technology stack
Built for any banking setup, Card & Spend OS can scale easily from SMEs to multinational corporates across markets. Expand without core re-architecture, and continuously roll out advanced capabilities as you go.
One platform. Seamless experience. Your brand.
With Card & Spend OS, offer business customers an end-to-end, fully-integrated card and spend management experience from a single platform, under your trusted brand.
Offer a wide range of in-demand card types, from commonly used options to industry-specific solutions, including physical, virtual, single-use, lodge, and fleet.
Give customers a simple, intuitive way to manage cards and spending anytime, anywhere from their phone - with Intelligent receipt collection and accounting features at point of sale.
Offer advanced desktop tools for business customers to manage cards and spending easily. Include instant card issuing, limit changes, assign, block, and even the ability to blacklist specific MCCs when needed.
Customers can securely store, manage, and use their physical and virtual across devices like Google & Apple Pay, leaving their wallets safely at home.
Help business customers transform complicated manual AP workflows into one simple, automated process. Capture invoices, streamline approvals, and execute secure global payments.
Manage your entire card portfolio from a single, high-performance command center designed specifically for institutional oversight.
Features built for how modern businesses actually work
Advanced card management
Instantly issue physical and virtual cards, set user limits, and configure approval workflows. Empower businesses to manage spending in real time with precise, advanced card controls.
Pre-approved spend control
From travel expenses to last-minute procurement, businesses can create their own spend rules around time, location, category, amount, and more before purchase even happen.
Accounting Integration
Pliant integrates with accounting softwares and ERPs, making automated expense management, payment reconciliation, and real-time, multi-currency spending easy, and more accurate.
Customizable financial data exports
With Pliant’s technology, businesses can enforce pre-defined accounting rules tailored to their unique needs, driving consistency, reducing errors, and strengthening financial control.
Real-time data
Give businesses real-time visibility into every transaction. Help them stay compliant easily with customizable spending policies and quickly resolve declined charges.
Built-in tax reporting
Make life easier for businesses by helping them save time and effortlessly meet regulatory requirements with audit-ready financial tools.
Launch fully configurable, card and spend management programs
Create tailored programs with custom pricing and complete control over product configuration and functionality. Capture market share by tailoring offerings to each client segment and differentiating your program without added operational complexity.
Manage your entire card portfolio from a single, high-performance command center designed specifically for institutional oversight.
Real-time customer app view
Real-time customer app view
See exactly what your customers see, helping your teams deliver faster, more effective first-level support.
Accelerated reconciliation
Accelerated reconciliation
Streamline second-level support with real-time visibility into processing and settlement flows, making it easy to track customer funds end to end.
Advanced transaction ledger
Advanced transaction ledger
Access granular settlement data down to the merchant and transaction level for fast, accurate auditing.
Unified card program management
Unified card program management
Manage all card programs from a single, intuitive UI. Onboard customers, adjust limits, and update pricing or payment terms—with changes reflected instantly for cardholders.
Enterprise-grade compliance & security
PCI DSS certified
Certified PCI DSS Service Provider ensuring secure data handling.
ISO certified
ISO 27001-2022 certification for robust information security management.
Advanced security
Full compliance with financial and banking regulations.
See how credit cards grow your revenue
Monetize card spend, FX and additional software fees without building a card program from scratch yourself.
Ready to transform your credit card offering?
Contact our partner team to discuss the possibilities for your financial institution’s card offering.