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Control every payment. Automate repetitive processes.
Turn your spend management into finance workflows that run themselves. Every payment follows the controls you've defined, from authorisation to reconciliation. Your team reviews flagged transactions. Everything else takes care of itself.
Spend controls that run before and after every transaction
Apply spend controls to every payment. Finance only reviews exceptions.
Enforce your spend policies automatically
At the moment of payment, card controls block the transaction if it falls outside your rules: wrong merchant category, restricted supplier, outside permitted hours.
Once it posts, Pliant's AI checks it against your expense policy and flags any violation with a plain-language reason your finance team can act on. Out-of-policy spend gets caught. Everything in-policy moves without friction.
Pick the controls you need, skip the ones you don't
Issue as many cards as your business needs, each with its own rules.
Allow or block transactions by spend categories, merchants, date windows, time windows, location, acceptance methods, or currencies. Combine as many as your policy needs.
Configure limits per transaction, day, and month, on every card you issue.
Define your approval workflows
Set thresholds, assign approvers by role or team, and configure multi-step sign-off for higher limits.
Requests below your threshold get approved automatically. Requests above it go to the right person immediately, without anyone manually deciding who to ask.
Sensitive card actions like issuing a new card or raising a limit can require multiple approvers, so finance is never the only check.
Automated follow-up for every transaction
Employees can mark a transaction as personal, and the amount is recovered through the platform.
Save time on chasing missing receipts. Transactions are handled as personal spend after the receipt deadline.
Personal spend and missing receipts are resolved before month-end.
Spend visibility, without the manual reporting
Keep your reporting up to date with real-time transaction data, proactive alerts, and instant answers about your spend.
Review every expense the moment it happens
Review what was spent, by whom, on which card, as it happens in your dashboard without waiting until month-end.
Catch problems before they become expensive
No business-critical payment goes unnoticed, and when something needs attention, your team adjusts a limit, blocks a card, or approves a request in seconds, not days.
Chat with Pliant Assistant about your spend
Ask about a transaction, a team's monthly spend, or a card's usage history, and get a clear response straight away. Access the data the moment you need it without a separate tool to open.
Move from payment to reconciliation faster
Every payment creates follow-up work. Pliant automates it, from collecting the right information to getting accounting-ready data into your finance systems.
Build on top of Pliant with the Payments API
Connect Pliant to the systems you already run on. Issue cards automatically when new employees join, trigger approvals from your own workflows, or pull transaction data directly into your dashboards.
The same card and spend data your finance team sees in Pliant is available via API, so both sides stay in sync.
Card infrastructure, BIN sponsorship, and payment processing are already handled. Your engineering team builds the logic on top.
Set a deadline. Pliant sends the reminders, marks what's overdue, and triggers reimbursement automatically where eligible. Low-value or recurring transactions can be exempted entirely.
Your team submits faster because the system makes it easy. Your books close faster because the data is already there.
Accounting exports that go out automatically
Export transactions, receipts, and pre-coded accounting fields directly into accounting, finance, travel & HR tools.
Native integrations with popular accounting platforms keep your financial data accurate and eliminate manual rework.
Need something custom? Build it on the Payment API. Month-end runs on automation, not on manual entry.
Talk to an expert about your setup. We'll show you how Pliant automates your processes while keeping you in control.
*All credit lines are subject to approval.
