Empower your bank to lead the market in card and spend solutions
Business banking customers are increasingly digital-first. Yet banks often face outdated systems and limited resources when building modern solutions to serve them: at a time when the market is moving faster than ever. Pliant makes it easy to launch a fully branded, next-generation credit card and spend management program that raises the bar for B2B payments. It's fintech-grade agility for your bank's trusted brand.
The modern standard for profitable card & spend programs
Equip your bank to outperform competitors in a rapidly evolving B2B market. Deliver high-engagement card programs with advanced spend management features that drive spend, deepen client relationships, and unlock new revenue streams.
Accelerate go-to-market
Take your program to market in weeks not months, while keeping client relationships in-house.
Offer best-in-class features
Improve your customer offering with an innovative credit card program that exceeds expectations.
Increase revenue
Increase revenue through higher card usage, reduced service costs, and new software income streams from spend management.
Boost your brand
Deliver a fully white-labeled experience that matches your bank’s design, so customers instantly recognize it as your product.
Stay in control
Manage your entire card program with intuitive back office tools, track performance, and gain real-time insights without complex setup.
Enterprise-level security
Protect your clients with enterprise-grade compliance, data protection, and operational resilience.
"Our new digital credit card solution for business customers was delivered by Pliant in just three months. That let us respond quickly to what our clients really needed."
Introducing: Pliant Card & Spend OS
Designed specifically for banks, our technology stack integrates seamlessly into your existing infrastructure. Card & Spend OS equips you with our latest innovations to launch a fully branded, next-generation credit card and spend management program built to win in today’s B2B market.
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.
The Bank Admin App: for institutional control
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.
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
Access granular settlement data down to the merchant and transaction level for fast, accurate auditing.
Unified card program management
Manage every card programs from a single, intuitive UI. Onboard customers, adjust limits, and update pricing or payment terms—with changes reflected instantly for cardholders.
Bank-grade card and spend at fintech speed
Card & Spend OS is purpose-built for banks to launch a highly competitive program in as little as 12 weeks, retaining client ownership while preserving your existing infrastructure. Pliant’s technology helps you avoid legacy constraints and costly transformation projects. Launch fast and stay ahead with future-ready technology that makes continuous innovation and feature rollouts easy.
Deliver market-winning features, fast
Built from real business requirements and ongoing customer feedback, Pliant’s features and technology are engineered to deliver the measurable impact modern business card users expect. With Pliant, you can launch market-tested, best-in-class capabilities across the entire card and spend lifecycle. The result: truly differentiated offerings that result in client retention and acquisition.
Create programs that fit every client
Capture the nuances of B2B spending and calibrate your offering to distinct client segments, industries, and use cases. With configurable card types, spend controls, rewards, and integrations, you can tailor solutions to real operational needs.
The power of modular infrastructure
More than just a technology layer, Pliant is a modular partner that enables you to adopt additional stacks and components tailored to your institution’s reality.
Backend layer
Always included. Pliant provides the complete technology stack with APIs, processing, and infrastructure needed to run and scale your card program.
Frontend layer
Use ready-made applications for admins, cardholders, and your back office.
Support layer
Get expert help at every stage, from setup to daily operations and quick issue resolution.
Regulatory layer
Stay compliant with built-in checks like KYC/AML and ongoing risk monitoring.
Banking layer
Leverage Pliant’s banking infrastructure or integrate your own to cover all credit card requirements.
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.
Ready to transform your credit card offering?
Contact our partner team to discuss the possibilities for your financial institution’s card offering.
