Candis
“We diversified our revenue base and increased overall customer satisfaction.”
Christian Ritosek, CEO and Co-Founder of CandisCaaS
Unlock the Future of Credit Card Programs
Launch, upgrade or scale a premium corporate credit card program in weeks—not months. CardOS is a modular, white-label solution designed exclusively for banks and regulated financial institutions. Seamlessly integrate, customize, and monetize your own credit card program—without the complexity.
Leading financial institutions use CardOS to power their credit card programs:
Most banks face following problems:
Legacy Infrastructure Blocks Innovation
Most banks rely on outdated card systems that lack customization and cannot scale fast enough to meet customer expectations.
Lost Revenue from Outdated Credit Card Offerings
Banks struggle to monetize credit card programs due to rigid pricing models and low-margin interchange revenue from traditional card issuers.
Slow Time-to-Market & High Setup Costs
Bringing a credit card program to market typically takes 6-12 months, which results in missed opportunities, slow adaptation to market trends and 6-digit costs.
How CardOS Solves These Challenges:
Modern API-Driven Infrastructure
1. Seamless integration into your core banking system, eliminating reliance on legacy stacks. 2. Flexible modular setup—launch with a full suite or integrate only the features you need. 3. Instant card issuance & spend controls via APIs or ready-made web & mobile interfaces.
Unlock New Revenue Streams
1. Premium corporate credit cards with configurable interchange yield options. 2. Advanced spend controls & cashback models to drive engagement and profitability. 3. Flexible pricing models: adapt your business model for maximum revenue potential.
Fully Compliant & Licensed
1. No need to secure a card issuer license—Pliant provides a compliant framework. 2. AML, KYC, and fraud prevention included, removing regulatory burdens. 3. PCI-DSS & ISO 27001 certified for secure payment handling.
Launch in Weeks, Not Months
1. Pre-built banking integrations ensure rapid deployment. 2. Go to market with minimal effort—we handle compliance, BIN sponsorship, and setup. 3. Start with a fully managed solution, then transition to in-house control at your own pace.
We diversified our revenue base and increased overall customer satisfaction.
Christian RitosekCEO and Co-Founder of Candis 
With Pliant Pro API, we can automate thousands of daily transactions, streamlining everything from card creation to reconciliation. This capability allows us to integrate more partners into our systems and has transformed our cash flow management.
Fiorino CellucciCFO at Easy Market 
Our previous virtual credit card system had several shortcomings. After getting familiar with Pliant, we found that practically all of them were covered and solved.
Jari IltanenOperations Controller of Elämys Group 
With Pliant, we bypass processes that would otherwise take weeks.
Raffael JohnenCEO and co-founder of auxmoney 
Based on our experience, Pliant cards have an almost perfect acceptance rate, so we haven’t heard any complaints about failed transactions.
Diego FurlaniCOO Salabam Solutions 
Key Features of CardOS
Schedule a meeting with our solution expert, who is here to guide you and provide all the information you need about our offerings!
White-Label Credit Cards
Offer physical and virtual cards fully branded with your bank’s look and feel.
Embedded API Access
Leverage modular APIs to integrate credit card issuance, controls, and transaction data directly into your banking platform.
Spend & Credit Controls
Configure dynamic spending limits, approval workflows, and merchant restrictions to fit customer needs.
Data Integration
Push real-time transaction data into your core banking system via APIs for seamless reconciliation and reporting.
Ready-to-Use Cardholder Interfaces
Deploy fully labelled web and mobile applications or embed CardOS components into your digital channels.
Only one partner needed to cover 30 countries and 11 currencies
Pliant's platform combines the innovation and speed of modern issuers with the scalability of legacy players – all combined in one party instead of three to four providers.
| Feature | Pliant | Modern Card Processors & Issuers | Legacy Issuer Processors | Vertical-Specific Issuers |
|---|---|---|---|---|
| Truly modular | 🟢 | 🟡 | 🔴 | 🔴 |
| Speed to market | 🟢 | 🟡 | 🔴 | 🔴 |
| Realtime APIs | 🟢 | 🟢 | 🟢 | 🔴 |
| Credit functionality (incl. funds) | 🟢 | 🔴 | 🔴 | 🟢 |
| White-label and integrations | 🟢 | 🔴 | 🔴 | 🔴 |
| FX capabilities (incl. payouts) | 🟢 | 🔴 | 🔴 | 🔴 |
| Bring-own-license (optional) | 🟢 | 🟡 | 🟡 | 🔴 |
| Payops UI / software suite | 🟢 | 🔴 | 🔴 | 🔴 |
| Bring-own-balance sheet (optional) | 🟢 | 🟡 | 🔴 | 🔴 |
| Compliance-as-a-Service | 🟢 | 🔴 | 🔴 | 🔴 |
| Sales & Demo support & Marketing funds | 🟢 | 🔴 | 🔴 | 🔴 |
See CardOS in action
Experience how Pliant enables real-time APIs, credit functionality, white-label integrations, and FX capabilities across 30 countries and 11 currencies. Book a live demo to explore how we can streamline your payment operations and support your growth.
How customers from key industries benefit from Pliant
Intertours
"Pliant develops the card platform so we can focus on our customers.”
Marc Will, CEO of Intertours Reisen & Events GmbHCaaS
Klippa
"In a few months, we added credit cards to our product range thanks to CaaS."
Bart-Jan Maatman, CFO of KlippaCaaS
Bezala
"Pliant delivers a more efficient solution than building our own."
John Lindström, COO of BezalaCaaS
Scopevisio AG
“Only with CaaS was a complete integration quickly achievable.”
Alexander Kintzi, CRO Scopevisio AGCaaS
Mobilexpense
"Pliant CaaS offers us the best technical functionality and the best service."
Bas Janssen, Head of Strategic Initiatives at Mobile ExpenseCaaS
FAQs - What you need to know about CardOS:
CardOS is designed exclusively for banks, financial institutions, and licensed entities looking to offer corporate credit card solutions.
No. Pliant provides a fully compliant framework, including BIN sponsorship, KYC/AML, and regulatory approvals—so you don’t need a separate card issuer license.
Most implementations take a few weeks—far shorter than the 6-12 months required with traditional card issuers.
Option 1: Use our white-label cardholder interface for a fully managed solution.
Option 2: Embed via API, pushing transaction data directly into your core banking system.
Option 3: Start fully managed, then transition to your own infrastructure at your own pace.
Unlike generic BaaS solutions that focus on debit cards, CardOS is purpose-built for credit cards.
Fully modular API-first platform—customizable at every level.
Pre-integrated compliance framework—no need to handle licensing & regulations.
Optimized for corporate & high-value card programs with premium features.