The credit card that works for you
Now it's even easier to record expenses via VISA credit card and have them automatically created in Circula thanks to the integration with Pliant.

100% digital card management
From creating a new card to billing transactions – keep an overview of all expenses.
Different card types for full flexibility
You can get real VISA credit cards as physical or virtual cards.
2-in-1 Employee Spend Management Platform
All employee expense reimbursements, travel expenses, and credit card transactions for individuals and teams in one place.

Credit cards as a secure means of payment
Stay liquid and use the convenience that credit cards offer as a means of payment for business expenses. You or your employees no longer have to pay in advance. In addition, you can conveniently store your Circula VISA Credit Card as a new means of payment for recurring payments – online & in-store with more than 80 million providers around the world.
Physical and virtual cards in seconds
Issue new credit cards in seconds, personally for employees or entire departments. Manage all cards easily in the web app and keep an overview at all times through your company credit cards.

Set your own budgets
Remain in full control the expenses of your employees and departments by setting budgets individually per card. Keep track of all cards thanks to the web interface of our partner Pliant.
No more manual credit card statements
Complete the credit card report in seconds. Circula creates expenses automatically and automatically assigns the correct receipt from the storage to the expense that has been created. Simply pay with your credit card, upload or forward the receipt to your storage – done. Our integrations with DATEV, SAP and MS Dynamics also reduce your manual work by up to 80%.
The intelligent corporate credit card
Full transparency
All real-time expenses, refunds, and transactions in one place – your Circula App. Credit cards also help prevent fraud because you can set and control your own budget.
Self-management tool
Thanks to the cardholder app and the card issuance via the integration with Pliant, you are independent and can manage your cards completely digitally.
Maximum flexibility
Choose the type of card that suits your company and optimize the solvency of your marketing department, for example.
Best exchange rates
For foreign transactions, you will receive the current VISA exchange rate, with no surcharges or additional fees.
High transaction volume
Paying almost without limits - We offer up to €750.000 per transaction per card for maximum flexibility in your team.
Circula and Pliant start partnership for intelligent corporate credit card
Circula and corporate credit card specialist Pliant announce their partnership. Together, the two companies are developing a smart credit card that existing or new Circula customers can use in their organizations, providing an ideal link between Circula's existing expense management and employee benefits products.

FAQ
If you use Circula cards for online purchases in a foreign currency, Circula will apply the daily VISA exchange rate without surcharges or additional fees.
Circula assigns security and data protection the highest priority. Access to the Pliant partner platform is secured by strong passwords and two-factor-authentication. All personal data is stored in accordance with the European General Data Protection Regulation (GDPR). Critical card data are stored and processed in line with the very high data security standards of the payment card industry (PCI DSS). Additionally, Circula's cards are enabled for 3DS to ensure additional protection for online purchases.
3D Secure is a free service facilitated by VISA that lets you transact securely on “Verified by Visa“ / “Visa Secure” online merchants using your Circula credit cards. It adds a security layer by an additional verification step. During this verification you must provide a one-time password that is only available to you.
All Circula x Pliant credit cards are automatically equipped with 3D Secure. During your online purchase you will receive the one-time password via SMS, mobile app, or e-mail for the verification. This password you can input into the verification page that will show the Visa logo and confirm the payment by clicking confirm / send. If the password is correct, the transaction will be successful and otherwise declined. Pliant credit cards also work at merchants that do not participate in Visa 3D secure program.
This service is offered due to the EU’s Second Payment Services Directive (PSD2) which will mandate Strong Customer Authentication (SCA) before initiation of the payment. Therefore, Visa recently enhanced its security for online purchases including both e-commerce and m-commerce transactions to satisfy this new standard.
In case you are not receiving your one-time password, please check that your phone and / or e-mail address are up to date within your user area or call our hotline.
Learn more about Visa 3D Secure.
Circula offers Visa cards, which are accepted by over 80 million merchant locations in over 200 countries. Learn more about VISA here.
Get your work done more efficiently
Experience the effortless way to manage expenses. For any questions, please give us a call at +49 (0) 30 3080 9132.
Cards are issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879.