Pliant
Pliant provides a modular B2B payments platform that combines commercial card issuing, business accounts, FX, and spend management. The platform offers physical, virtual, and single-use cards with customizable spending rules, real-time reporting, and automated receipt management, plus a Pro API for payment automation and Cards-as-a-Service solutions for partners. Pliant also enables AI agents to create and manage cards and accounts through its agentic payment capabilities.
- Financial Technology
- Enterprise Software
- Software Only
- Artificial Intelligence
- AI Agents
Funding
Raised to date
$202.5MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
across 7 rounds
+16$80M · Series C
Announced Nov 2026
Disclosed cumulative: $202.5M
Founders
Product
Problem
Many businesses struggle to manage and control employee spending, relying on manual processes that lack real-time visibility into transactions. This leads to inefficiencies, increased administrative overhead, and difficulty enforcing spending policies across the organization.
Solution
Pliant offers a customizable credit card platform that lets businesses issue physical, virtual, and single-use cards tailored to their specific needs, streamlining payment processes and enhancing financial control. The platform provides real-time reporting on all transactions, enabling timely decisions on spending limits and card usage. Businesses can define spending rules and limits at multiple levels to ensure policy compliance, while automated receipt management and pre-accounting capabilities reduce manual workload. Pliant integrates with existing accounting, invoice management, and travel expense solutions, and offers a Pro API for fully customizable payment automation at scale. For partners, Pliant provides Cards-as-a-Service (CaaS) and white-label solutions to launch branded credit card programs. The platform also supports agentic payments, allowing AI agents to create and manage cards and accounts via Model Context Protocol (MCP).
Target Audience
Pliant serves two primary segments: businesses seeking to optimize payment processes through its apps and APIs, and financial software companies, ERP providers, and banks looking to launch or enhance credit card offerings through embedded finance or white-label solutions.
Features
- Real-time reporting and customizable spending limits and rules at multiple organizational levels
- Automated receipt management and pre-accounting capabilities that reduce manual finance work
- Pro API enabling automation of card creation, transaction processing, and reconciliation at scale
- Cards-as-a-Service (CaaS) and white-label solutions for financial software companies, ERP providers, and banks
- Multi-currency support across 12 currencies with built-in FX conversion and cross-border payment capabilities
- Automated compliance checks and fraud screening on every transaction
- Accounts payable automation with OCR invoice processing and four-eyes approval workflows
- Agentic payment capabilities for AI agents to create and manage cards and accounts via MCP