“Can the working-capital layer of global B2B commerce be owned by whoever owns the ERP?”
Founded in 2009 as an SAP-certified dynamic discounting provider, Taulia expanded through the 2010s into a full working-capital platform combining dynamic discounting, supply chain finance, virtual cards, and a multi-funder network of banks and non-bank financiers. SAP acquired the company in 2022 and now operates it as 'SAP Taulia,' deeply embedded in the SAP ERP ecosystem to serve as the group's working-capital and AP financing arm.
Taulia discloses Cornèr Bank (Cornèr Group) as its sponsor bank, according to the Embedded Finance Index 2026.
Taulia does not disclose a bank charter of its own; its banking services are provided through Cornèr Bank (Cornèr Group).
Taulia processes payments through Taulia Virtual Cards (self-operated).
Taulia's cards are issued through Cornèr Bank (Cornèr Group) on the Visa network.
Taulia's lending and capital products are provided by Taulia Multifunder (self-operated).
The Embedded Finance Index 2026 maps 6 layers in Taulia's stack: Payments / PSP (Taulia Virtual Cards (self-operated)); Card issuing (Cornèr Bank (Cornèr Group)); Card network (Visa); Lending (Taulia Multifunder (self-operated), Dynamic Discounting, Supply Chain Finance, Payables Financing and 1 other); Sponsor bank (Cornèr Bank (Cornèr Group)); Spend / AP (SAP Taulia Virtual Cards (self-operated)).
Taulia is founded in 2009 and headquartered in San Francisco, California, USA.
Taulia has raised $36M+ (prior to SAP acquisition) in total (latest round: Acquired by SAP, 2022).
Get a read on where your own stack stands against Taulia and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.