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.
Loved by innovators
100% digital
Easily manage everything from credit card issuing to your expense report digitally.
Up to 1% cashback
Make your money work for you and receive cashback with each transaction.
80% less work
Save time with automated expense management.
Issue physical and virtual cards instantly
Manage all credit cards instantly online and issue cards within seconds. Create cards for individual employees as well as departments and keep oversight at all times.
One card for all your spendings
Whether you're paying for dinner or booking social media ads or getting a taxi, Circula ensures that you don’t have to pay these expenses out of your pocket. Pay at more than 80 million merchants globally.
Set budgets and limits
Stay in full control of your spendings. Set budgets per card and keep track of all cards issued via the Web interface of our partner Pliant.
No more manual credit card statements
Be done with your accounting in seconds. Circula creates expenses automatically in your app. Just add the receipt and your books are done. Our integrations to DATEV, SAP, MS Dynamics cut your manual work by up to 80%.
The intelligent corporate credit card
Digital onboarding
Just like your credit card, your account verification can be easily done digitally.
Instant issuing
Issue new cards within seconds – both physical and virtual.
Attractive cashbacks
With our cashback feature you will save up to 1% on each transaction.
Best exchange rates
The VISA exchange rate applies without surcharges or additional fees.
Optional insurance
Our travel insurance package will ensure you are protected on any business trip.
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
When you use Circula cards for purchases in a foreign currency, Circula applies the VISA exchange rate, without surcharges or additional fees.
The exchange rates you get when using Circula cards for foreign currency transactions can be found here on our partner Pliant's website.
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 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.