Case Study: Circula scales card spend and embedded expense management with Pliant

Circula - Customer Case Study

Circula, a Berlin-based expense management platform, sought to enhance its offering beyond digital receipts and accounting integrations. Their challenge was that customers in their target market of non-digital SMBs were hesitant to use corporate cards due to the administrative hassle of reconciling receipts, leading to inefficient reimbursement models and poor spending visibility. They needed a way to embed a corporate card solution to streamline these financial workflows.

Circula partnered with Pliant to implement a fully embedded corporate credit card program using a phased API integration. This solution automated transaction syncing, provided a dedicated card wallet for users, and gave finance teams greater control. As a result, Circula strengthened its value proposition, deepened customer relationships, and unlocked new revenue streams from card subscriptions and interchange fees. The Pliant solution was a key driver in helping Circula process €100 million in annualized card spend, expanding its use beyond travel to categories like software and marketing.

Circula

Nikolai Skatchkov

Chief Executive Officer