Pliant
Pliant is a European (EEA-based) fintech-infrastructure provider (Spend management, Card issuing software). Verified at source - licence, regulator and registry reference. Active
Who it's for
Pliant is built for finance teams managing company cards, expenses and budgets. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Germany)
- Card scheme: US scheme - Visa (the elephant in the room)
What Pliant does
Verified licence profile
Pliant (Germany) - corporate credit cards as a service, issued on its own regulatory setup. EMI and Visa Principal Member (EU).
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you Pliant? Work with us →
Official register entries
- E-money institution (EMI) - Finnish Financial Supervisory Authority · Ref 32669139 · Active (EBA PSD2 register, as of 2026-07-18)
- AISP (account information) - Finnish Financial Supervisory Authority · Ref 32669139 · Active (EBA PSD2 register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Similar verified European providers
Cardlay (Denmark) - spend-management software with an own partner-issued virtual card programme; an expense add-on for bank card programmes.
Juni (Juni Technology AB, Gothenburg, Sweden) - e-commerce spend management and banking for online businesses: cards, accounts, expense, accounting and global payments. EMI, Swedish FSA; USD 282m+ raised.
Own EMI: Pleo Financial Services ApS (Danish FSA ref 40506); spend + expense cards across 16 EU countries.
Qonto SA - payment institution, ACPR n° 16958; SME business banking (accounts, cards, invoicing, expense). 600k+ clients across 8 EU countries; in-house card processor. Filed for FR banking licence (Jul 2025) to add lending. Profitable since 2023.
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
AirPlus International (Neu-Isenburg, Germany) - B2B corporate travel payments: central lodged cards, corporate credit cards and virtual cards with accounting and analysis for business travel programmes. Sold by Lufthansa Group to SEB Kort (SEB Group, Sweden) for approx. EUR 450m, closed 31 Jul 2024 - ownership flag (EU). EEA payment entity in Belgium (PI).
FAQ
Is Pliant European / EEA-based?
Yes. Pliant hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Germany.
What does Pliant do?
Pliant covers: Spend management, Card issuing software. Verified at source by Fintechnologica.