Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 2 categories.
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Founded in Berlin as a B2B corporate credit card product, Pliant initially relied on third-party e-money issuers (TPML / Transact Payments Malta Limited) before obtaining its own EMI license through Pliant Oy in Finland and achieving Visa Principal Membership, establishing self-operated card issuing infrastructure. The company then pivoted from a pure end-customer credit card product toward a B2B infrastructure play, launching Cards-as-a-Service (CaaS) and Banking-as-a-Service (BaaS) capabilities so that non-financial companies, SaaS platforms, lenders, and banks can embed card programs into their own products. The 2025 Series B marks the beginning of an international expansion phase, with the US market as the primary target.
Other Card Issuing providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/pliant-oy/install" width="1" height="1" alt="" style="display:none">2 companies disclose Pliant Oy in their stack in the Embedded Finance Index 2026, including Pliant and ExpenseOnDemand.
Pliant Oy is an embedded-finance provider in BaaS and Card Issuing. It ranks #108 of 231 Card Issuing providers by disclosed buyers.
The most-disclosed Card Issuing alternatives to Pliant Oy are Marqeta (68 buyers), Stripe Issuing (33 buyers), Enfuce (26 buyers), Paymentology (25 buyers), Galileo (21 buyers) and Sutton Bank (21 buyers).
Pliant Oy was founded by Malte Huffmann and Fabian Terner and is founded in 2020, headquartered in Berlin, Germany.
Pliant Oy has raised $100M+ in total.
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