A card that your team will love.
Lean processes. Automated accounting. Autonomy for employees. Control for the finance team. All at no extra charge.
Step up your productivity by 80%
Employee empowerment
Let your team pay expenses themselves - without lengthy reimbursement processes.
High limits
We offer high credit and transaction limits so that you can work flexibly and agilely.
Maximum flexibility
Choose the expense management process that suits your business.
Optimized for frequent travelers & agencies
No costs for currency conversion and all you need on your smartphone.
Of course compliant & secure
Create compliance and benefit from the VISA security standards.
Premium Customer Support & training
We are available to you at any time via email, chat and telephone in your local language.
750.000 €
max. per single transaction
0 %
mark-up on VISA conversion rates
Physical cards. Virtual cards.
One-time payments.
Optimized for business travelers and companies with high expenses for marketing or software.
All expenses and credit cards in one app.
Automate a lot.
Manage little.
Paid by credit card — Expense created.
Receipt added — Cost center as well.
Already done!
Digital expense management, developed holistically.
Issue new cards yourself and set limits. Create reports in seconds and export them with one click.
Compliance is our
core competency
Our software is GDPR-compliant and GoBD-certified. We make your life easier because you no longer have to worry about questions about legal security.
80% less time
Futurice has been using Circula for travel expense and expense processes since 2019. By introducing corporate digital credit cards, Futurice has seen time, cost and labor savings of 80%.
Read case study
How it works
1. Invite employees to Circula
2. Issue cards and set limits
3. Submit the created expense using the four-eye principle
4. Tracking and exporting
Over 1,700 satisfied customers are already benefiting from our solution
Use company credit cards at no extra charge
Credit cards are included in the Professional and Professional Plus plans.
FAQ
Corporate credit cards are intended for business expenses and are issued by the employer to employees. Although these credit cards are personalised in the employee's name, they can only be used in a professional context, e.g. for hotel and flight bookings and car hire on business trips. However, they can also be used as a means of payment for recurring expenses, e.g. for software licences or online marketing.
No, all our cards are real credit cards.
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.
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.