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Klippa

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“Can a document-automation and expense-management SaaS company embed spend controls and credit card issuance to become the full pre-accounting financial OS for European SMBs?”

Founded2015
HQGroningen, Netherlands
Latest roundBuyout/LBO (acquired by Doxis / SERgroup Holding International)
IndustryVertical SaaS / Document Automation & Expense Management
The story

Founded in 2015 as a receipt-scanning app, Klippa evolved into a broader Intelligent Document Processing (IDP) and expense management SaaS business, offering both its DocHorizon (IDP platform) and SpendControl (pre-accounting and expense management) products. The company expanded into embedded finance by partnering with Pliant in 2023 to issue Visa business credit cards directly to its SpendControl customers, deepening its role in the corporate spend lifecycle. Klippa was subsequently acquired by German ECM vendor Doxis (SERgroup Holding International), with products now being rebranded under the Doxis umbrella.

Last 12 months
2026-03
2025
Product timeline
2015
Founded as Klippa App B.V. in Groningen, Netherlands, offering a receipt-scanning and expense management mobile app.· pivot
2020
Launched Terms and Conditions v4.0 covering OCR, expense, and invoice management SaaS products.· pivot
2023
Partnered with Pliant (Cards-as-a-Service) to embed Visa business credit card issuance into its SpendControl product offering.· card
2023
Partnered with Rutter to automate end-to-end accounting workflows from document processing through sync to NetSuite, QuickBooks Online, Xero, and Sage Intacct.· acquisition
2025
Acquired by Doxis (SERgroup Holding International, Germany) and rebranded products under the Doxis name; Klippa operates as an acquired/merged subsidiary.· acquisition
The stack
4 layers disclosed in Klippa’s embedded-finance stack
Card issuing
Pliant
Card network
in the full report
Unified APIs
in the full report
Accounting
in the full report
Accounting gap: none
6 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.