The Credit Card That Eliminates Expense Work
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.
From transaction to reconciliation, automated and 100% audit-ready
Issue cards instantly, manage them effortlessly
Create and control virtual or physical cards in seconds—set limits, manage PINs, and terminate cards directly and digitally in Circula.
Automate reconciliation, ensure full compliance
Eliminate manual reconciliation by AI-powered receipt matching and compliance validation – cutting workload and speeding up closing.
Track spending in real time, stay in control
Gain full visibility into card usage across teams, projects, and countries—reduce errors and make smarter decisions, faster.
Discover the digital ● Circula company credit cards
High credit and transaction limits (up to €750,000)
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
Have your receipts matched automatically to card transactions
View all your data 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.
Designed to empower teams and simplify spend
Full controlno delays
Issue and manage credit cards instantly – no paperwork or banking bottlenecks.
Built-incompliance
Stay 100% compliant with tax rules, data privacy laws, and GoBD standards.
AI-poweredautomation
Our AI matches card transactions with receipts and processes them automatically.
Fastermonth-end closing
Automated workflows and clean data help finance close the books in record time.
Empoweredemployees
No more paperwork, delays, or reimbursements – just smart company spending with full control.
Real-timevisibility
Track all company card spending live, across teams, cards, and cost centers.
Our customersuccess stories.
ABOUT YOU – one of the fastest growing e-commerce companies in Europe
Orthomol - one of the best-known German brands in the pharmaceutical industry.
Result
Thanks to the digital end-to-end solution and integration into the internal CRM, Circula has made a significant contribution to digitalisation at Orthomol. Approval processes are now significantly faster and leaner, and the new solution is also 100% legally compliant.
MaibornWolff – IT service provider with over 30 years of tech experience and over 900 employees.
Result
Since the introduction of Circula in 2021, MaibornWolff has been able to save countless working hours in travel expense accounting. Since then, MaibornWolff has also successfully implemented the mobility budget.
Doctari – Germany's leading healthcare service provider with the largest network of medical specialists.
Result
For Doctari, the implementation of Microsoft Business Central in combination with the introduction of Circula's tool was an important milestone in its digital development. The administrative savings are enormous and the employee feedback is consistently positive.
kmPro - Innovative, digital consultancy with tax and auditing expertise.
Result
Circula enables our clients to manage their travel expenses and other expenses in a smart, digital and less time-consuming workflow. The perfectly integrated DATEV interface provides us with the digitally pre-recorded data including receipt images for monthly financial accounting.
SportScheck - one of the largest retailers for everything to do with sport, both online and in-store.
Result
The clarity of the programme, splitting of amounts with automatic transfer of the remaining amount to the next posting field, as well as the reports from Circula are great. My queries within the programme (e.g. linking accounts/entities) were always dealt with quickly.
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.