Credit cards for forward-thinking companies
Issue Circula credit cards for employees yourself – without tedious paperwork with your bank. View realtime data on all transactions, reduce compliance risks, and put your spend management on autopilot.
"It's our job to make administrative processes as simple as possible for our employees. With the Circula tool for travel expense accounting and the Circula credit card, we have succeeded in doing this."
2,800+ companies automate their expense management with ● Circula
Technology Companies
Professional Services
Mid-Market
7,000 positive reviews show our customers' love for Circula.
Discover the smart ● Circula company credit cards
High credit and transaction limits (up to €750,000)
Credit and Prefunded cards – both with full credit card functionality
Physical, virtual and single-use cards
100% compliant thanks to VISA security standards
Issue and hand out cards with in seconds, while setting individual limits
Manage your cards and transactions on your smartphone
Simple and secure payments online and mobile with Google PayTM
Pay in apps, on websites, and at millions of businesses worldwide where contactless payments are accepted with Google PayTM and save even more time at the checkout.
Your perks
Maximumindependence
Easily issue your credit cards independently – without having to go through lengthly processes.
Lowercompliance risks
100% compliant with tax regulations, data security laws and GoBD.
Moreautomation
Your credit card transactions are processed automatically in Circula.
Fastermonth-end closing
Thanks to efficient and automated workflows for all expenses.
Happieremployees
Thanks to smart company credit cards, slow reimbursement processes are a thing of the past.
Betteroverview
You have an overview of all credit card spending in real time.
Why Circula?Here's what our customers say.
Easy to use
"Circula is one of the most successful software launches of the last 15 years due to its user-friendliness. Onboarding was effortless. We consistently receive positive feedback from our employees!"
Right Confirmity
"Circula has a software certificate, procedural documentation and it is clearly demonstrated that legal requirements and certain standards are met."
Efficiency
"The workload of employees for accounting has been significantly reduced, from well over 30 minutes to five minutes per trip."
DATEV interface
"The perfectly integrated DATEV interface provides us with the digitally pre-captured data including document images for monthly financial accounting."
Automate your expense management with Circula
Schedule an appointment for a personal demo. Tailored to your team, your process and your use cases.
Book a demo
All you need to know
Circula offers VISA credit cards, which are accepted by over 80 million merchant locations in over 200 countries. Learn more about VISA here.
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 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.
If you use Circula cards for online purchases in a foreign currency, Circula applies the current VISA exchange rate and charges a 2% mark-up on VISA conversion rates.
No, all our cards are real credit cards.
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.