Expense Management
Pliant
EU-Made Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by Pliant GmbH · www.getpliant.com
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Pliant at a glance
- Vendor
- Pliant GmbH
- Headquarters
- Not stated on the vendor’s pages as of 28 Oct 2026
- Data hosting
- Not stated on the vendor’s pages as of 28 Oct 2026
- Free plan
- Not stated on the vendor’s pages as of 28 Oct 2026
- Panel verdict
- The AI panel rates Pliant 2.5/5, the mean of 6 judges. Pliant, a corporate credit card platform from Pliant GmbH of Berlin, is strongest on the accounting handoff: accounting export scores a flat 8, resting on a stated official DATEV interface partnership, a DATEV-confirmed error-free data exchange, receipt images travelling with the booking data, and named integrations to Microsoft Dynamics 365, Oracle NetSuite, QuickBooks Online, Lexware Office and BMD. how scores are made
- As of
- Vendor pages captured 28 Oct 2026; evaluated by the panel 29 Oct 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
Pliant, a corporate credit card platform from Pliant GmbH of Berlin, is strongest on the accounting handoff: accounting export scores a flat 8, resting on a stated official DATEV interface partnership, a DATEV-confirmed error-free data exchange, receipt images travelling with the booking data, and named integrations to Microsoft Dynamics 365, Oracle NetSuite, QuickBooks Online, Lexware Office and BMD. Cards and spend control follows at 7-8, covering eight card types, per-transaction and per-period limits, real-time transaction visibility and a named, regulated EU issuer. Pricing transparency scores 1-3: the Light, Standard and Custom tiers and their inclusions are published, but no euro price appears for any tier — only virtual cards are stated as free. Reimbursement and VAT scores 3-4, since reimbursements and mileage appear only through the Capture Expense partner integration. Receipt capture and approval and policy sit between, with approvals covering card requests and limit changes rather than claim routing. Sovereignty splits 4-6 as well: judges weigh a named German entity and a Finnish-regulated issuer against pages that name no hosting location, subprocessors or data processing agreement.
Speaks for it
- DATEV itself confirmed the data exchange as technically error-free, with the receipt image travelling with the booking data.
- Eight card types — physical, premium, virtual, single-use, travel purchasing, fleet, benefit and insurance claim — carry per-transaction, per-period and total limits.
- EU cards are issued by Pliant Oy, an authorised e-money institution supervised by the Finnish Financial Supervisory Authority under a Visa Europe licence; UK cards by Transact Payments Limited under the Gibraltar Financial Services Commission.
- Named integrations extend past DATEV to Microsoft Dynamics 365, Oracle NetSuite, QuickBooks Online, Lexware Office and BMD.
- GoBD conformity, immutable receipt locking, transparent change tracking and an audit report download are stated.
Held against it
- No euro price is published for the Light, Standard or Custom tiers; only virtual cards are stated as free.
- Reimbursements and mileage appear only through the Capture Expense partner integration.
- We found no public information on text recognition reading amount, date, merchant or VAT.
- We found no public information on approval routing by amount, cost centre or project, or on deputies and escalation.
- We found no public information on hosting location, subprocessors or a published data processing agreement.
Best for
- You settle card spending into DATEV and want the receipt image to travel with the booking data.
- You issue many cards — virtual, single-use, travel or fleet — and want per-transaction, per-period and total limits with real-time visibility of every transaction.
- You spend well above the stated 10.000 € monthly card minimum and want team and company budgets with alerts.
- Your bookkeeping runs on QuickBooks Online, Lexware Office, Microsoft Dynamics 365, Oracle NetSuite or BMD, all named as integrations.
Avoid if
- You are a freelancer, sole trader or micro-enterprise — the pricing page states the service is not suitable for you.
- Your total card spend is below 10.000 € per month, the stated minimum.
- You need reimbursements, statutory per diems or country mileage rates handled natively rather than through the Capture Expense partner integration.
The scores
| Criterion | Panel median |
|---|---|
| Receipt capture & expense claims | 2 of 5 |
| Company cards & spend control | 3.5 of 5 |
| Approval workflows & expense policy | 2.5 of 5 |
| Reimbursement, travel allowances & VAT | 1.5 of 5 |
| Accounting handoff & DATEV | 4 of 5 |
| European sovereignty | 2 of 5 |
| Pricing transparency | 1 of 5 |
Receipt capture & expense claims
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How this is scored
How an expense gets into the system: a mobile app that photographs receipts, text recognition (OCR) that reads amount, date, merchant and VAT, receipts forwarded by email or pulled from suppliers, claims for out-of-pocket spending in any currency, mileage and trip entries, a substitute receipt (Eigenbeleg) when the original is lost, and duplicate detection.
0 — Not an expense capture tool; receipts and claims cannot be recorded in the product.
3 — Receipts uploaded as photos or files and attached to an expense by hand; text recognition, email capture or claims in other currencies are basic or not described.
5 — A mobile app that captures receipts with text recognition reading amount, date and merchant, receipts forwarded by email, expense claims for out-of-pocket spending submitted from the app, and foreign currencies converted.
8 — Extraction of VAT rates and amounts and line items, receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, mileage with route calculation, and replacement scanning (ersetzendes Scannen) stated as GoBD-compliant so paper originals may be discarded.
10 — Capture without employee effort: e-receipts delivered directly by travel and merchant partners, extraction accuracy or review process published, a certified scanning procedure (for example an audit report to IDW PS 880 or a TÜV certificate) named, and every receipt traceable from capture to booking.
The Travelling Employee
Photographing receipts on my phone, dragging them into the browser or forwarding them to a dedicated receipt inbox that matches them to card transactions with machine learning is my kind of workflow, rejected receipts bounce back to me in the app for correction, and missing receipts trigger automatic reminders. We found no public information on text recognition reading amount, date, merchant and VAT, on out-of-pocket claims in other currencies, or on a substitute receipt when the original is lost. 3 9 14
The Office Manager
Receipts arrive by phone photo, browser drag-and-drop or a dedicated email inbox, with machine learning matching them to card transactions, and a rejected receipt goes back to the cardholder to correct and resubmit in the app — that covers most of the receipt chasing that eats my month. Mileage tracking and reimbursements are named as capabilities. We found no public information on text recognition extracting amount, date, merchant or VAT, foreign-currency claims, duplicate detection or a substitute receipt, so I cannot confirm the numbers land typed-up rather than as pictures. 3 9 15
The Controller
Receipts arrive by phone photo, browser drag-and-drop, a dedicated email inbox that matches them to card transactions with machine learning, and even WhatsApp, Slack or Teams, with rejected receipts returned to the cardholder for correction and automatic reminders for missing ones. We found no public information on text recognition reading amount, date, merchant and VAT, on duplicate detection, a substitute receipt for lost originals, or out-of-pocket claims in foreign currencies — the parts my audit would hinge on. 3 15 9 11
The Finance Lead
Receipts reach Pliant by phone photo, browser drag-and-drop or a dedicated email inbox that matches them to card transactions using machine learning, and rejected receipts are returned to the cardholder for correction and resubmission inside the app. We found no public information on text recognition reading amount, date and VAT, out-of-pocket claims in other currencies, a substitute receipt for lost originals, or duplicate detection — mileage and claims appear only through the Capture Expense partner integration. 3 15 9
The Tax Adviser
Receipts reach the system as a phone photo, a browser drag-and-drop or a forward to a dedicated email inbox that assigns them to card transactions by machine learning, with automatic reminders for missing receipts, a return-to-cardholder workflow for rejected receipts, immutable locking and a stated GoBD conformity. We found no public information on text recognition reading amount, date, merchant or VAT, on a substitute receipt for lost originals, on duplicate checks, or on foreign-currency claims; claims and mileage appear only in the combined offering with the partner Capture Expense. That is solid capture, but short of the field-level reading my bookkeeping needs. 3 14 15 9
The Skeptic
Receipts enter by phone photo, browser drag-and-drop, or a dedicated email inbox that matches receipts to card transactions using machine learning, and a rejected receipt goes back to the cardholder for correction and resubmission in the app. We found no public information on text recognition reading amount, date, merchant or VAT, on duplicate or fraud checks, or on out-of-pocket claims in foreign currencies; claims and mileage appear on the captured pages only through the Capture Expense partner integration. 3 14 15 9
Company cards & spend control
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How this is scored
How spending is controlled before it happens: physical and virtual company cards with limits, single-use and subscription cards, limits by amount, merchant category and time, budgets per team or project, real-time notifications and receipt reminders — or, for a product that issues no cards of its own, live feeds from the company's existing cards with automatic receipt matching. The issuing institution and its licence count where cards are issued.
0 — Neither issues cards nor reads card transactions; only out-of-pocket claims exist.
3 — Card transactions imported from a statement file or a single feed and matched by hand, or a card offer with fixed limits; budgets, reminders and controls are basic or not described.
5 — Either own physical and virtual cards with per-card limits, freezing and real-time notifications, or live feeds from named corporate card schemes or banks with automatic matching of receipts to transactions; spending visible as it happens and employees reminded to submit receipts.
8 — Cards for every employee with limits by amount, merchant category and period, single-use and subscription cards, budgets per team or project that cards draw from, pre-approval of a purchase before the card is charged, feeds from existing bank cards beside the own cards, and the issuing institution and licence named.
10 — Spend control across the company: multi-entity and multi-currency card accounts, budgets and policies enforced at the moment of payment, card spend reconciled to the statement automatically, safeguarding of funds and credit terms stated, and cards and transaction history portable to another provider.
The Travelling Employee
Virtual, physical, single-use, travel purchasing and fleet cards with limits per transaction, per period and in total, merchant-category and foreign-transaction controls, team and project budgets with alerts, real-time visibility of every transaction and a mobile higher-limit request, all with the issuer Pliant Oy named as an authorised e-money institution supervised by the Finnish financial authority under a Visa Europe licence. Pre-approval of an individual purchase before the card is charged and feeds from the company's existing bank cards are what the captured pages do not show. 13 15 10 6 11
The Office Manager
Every card — physical, virtual, single-use — carries per-transaction, per-period and total limits plus permitted payment categories and ATM and foreign-transaction switches, with team budgets and alerts and real-time visibility of every transaction including declined ones; virtual cards are free, so one card per software subscription is easy. The issuer is named with its licence: Pliant Oy, an authorised e-money institution supervised in Finland, on a Visa Europe licence. We found no public information on approving a purchase before the card is charged or on feeding in transactions from our existing bank cards, which keeps my confidence below full marks. 13 15 10 11 6
The Controller
Virtual, physical, premium and single-use Visa cards carry limits per transaction, per period and in total, with permitted payment categories plus ATM and foreign-transaction switches, team and company budgets with alerts, and prepaid funding that assigns fixed budgets to teams and projects; the issuing institution and licence are named, with Pliant Oy supervised by the Finnish financial supervisory authority under a Visa Europe licence. We found no public information on approving a purchase before the card is charged or on live feeds from our existing bank cards, so control is enforced at card and limit level rather than per purchase. 13 15 10 2 5
The Finance Lead
Cards go to every employee — virtual, physical, premium, single-use, travel, fleet, benefit and insurance-claim formats — with per-transaction, per-period and total limits, permitted payment categories, and rules for ATM and foreign transactions; budgets are tracked at team and company level with immediate alerts, every transaction including declined ones is visible in real time, and the issuer Pliant Oy is an authorized e-money institution supervised by the Finnish financial authority under a Visa Europe licence. We found no public information on pre-approval of a purchase before the card is charged, or on live feeds from our existing bank cards alongside the own cards. 13 15 10 2 11
The Tax Adviser
Physical, premium, virtual and single-use cards — plus travel purchasing, fleet, benefit and insurance claim cards — carry per-transaction, per-period and total limits, permitted payment categories, ATM and foreign-transaction rules, real-time display of every transaction including declined ones, and team or company budgets with alerts; the issuer Pliant Oy is named as an authorised e-money institution supervised by the Finnish Financial Supervisory Authority under a Visa Europe licence, with Transact Payments in Gibraltar named for the UK. We found no public information on pre-approval of a purchase before the card is charged — approvals cover card requests and limit changes — or on live feeds from a company's existing bank cards. 13 15 10 2 6
The Skeptic
Physical, premium, virtual and single-use cards carry per-transaction, per-period and total limits, permitted merchant categories, and ATM and foreign-transaction rules per card, with team budgets that trigger alerts and real-time visibility of every transaction including declined ones; the issuer is named and regulated — Pliant Oy, an authorized e-money institution supervised by the Finnish financial supervisory authority under a Visa Europe licence. We found no public information on pre-approving a purchase before the card is charged (approvals cover card requests and limit changes) or on live feeds from the company's existing bank cards. 13 15 10 2 17
Approval workflows & expense policy
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How this is scored
How the company's rules are applied: approval chains by amount, team, cost centre or project, delegation and deputies, an expense policy with limits per category and per country that the product checks, pre-approval of trips and purchases, roles and permissions, multi-entity set-ups, and an audit trail of who approved and changed what.
0 — No approval step; every expense goes straight to export or payment.
3 — A single approver per employee or one sign-off step; policy rules, deputies and audit history are basic or not described.
5 — Multi-step approval flows configurable by amount, team or cost centre, an expense policy with limits per category that flags violations, approval from the mobile app, and a history of who approved what.
8 — Rule-based routing by amount, project, cost centre and entity with deputies and escalation, policy checks before submission (limits per country, per diem rules, duplicates), pre-approval of trips or purchases, granular roles and permissions, several legal entities in one account, and an exportable audit trail.
10 — Controls that stand up to an audit: anomaly and fraud detection with its rules explained, separation of duties enforced, country-specific policies maintained centrally, every change to a claim versioned and attributed, and control reports offered to auditors.
The Travelling Employee
Approval permissions are pre-set at every level — finance, leadership and team managers approve card requests and limit changes — expenses are reviewed with smart rules-based checks, changes are tracked transparently, and cost centres and projects structure spending. We found no public information on approval chains routed by amount or cost centre, deputies and escalation, or country-specific expense policy limits checked at submission. 13 9 14 3
The Office Manager
Approval permissions are pre-set at every level — finance, leadership and team managers clear new card requests and limit changes, and a higher limit can be requested from the mobile app. Receipt review, rules-based audit checks, transparent change tracking and a downloadable audit report are stated. We found no public information on approvals routed by amount or cost centre, deputies, or per-country policy limits, so the control sits on cards more than on expense claims. 13 3 9 14
The Controller
Approval permissions are pre-set for finance, leadership and team managers covering new card requests and limit changes, expenses go through smart rules-based checks, spend is controlled by merchant, category, location and time to align with company policy, and changes are transparently tracked with cost centres mapped through teams and projects. We found no public information on approval chains routed by amount, deputies and escalation, or country-specific policy limits checked before submission — exactly what four legal entities under one policy need. 13 9 3 16
The Finance Lead
Approvals are organised by level — finance, leadership and team managers approve new card requests and limit changes with pre-set permissions, and a higher limit can be requested from the mobile app — with a receipt review loop that sends rejected receipts back to the cardholder and changes transparently tracked. We found no public information on approval routing by amount, project or cost centre, deputies and escalation, policy checks before submission, or an exportable audit trail of who approved what. 13 14 3 15
The Tax Adviser
Pre-set approval permissions exist at every level, with finance, leadership and team managers approving card requests and limit changes, changes transparently tracked, an audit report offered for download, and rules-based checks plus spend controls by merchant, category, location and time described alongside the Capture Expense integration. We found no public information on approval routing by amount, cost centre or project, on deputies and escalation, on policy limits per category or country flagged at submission, or on multi-entity set-ups. 13 14 3 9 4
The Skeptic
Approval permissions exist at every level — finance, leadership and team managers — but on the captured pages they govern new card requests and limit changes, not expense claims routed by amount, cost centre or project; expenses are reviewed through rules-based checks and changes are transparently tracked with an audit report to download. We found no public information on deputies, escalation, country-specific policy limits or multi-entity set-ups. 13 9 3 14
Reimbursement, travel allowances & VAT
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How this is scored
How the employee gets money back and the company gets the tax right: reimbursement of approved claims by bank transfer or a SEPA payment file, mileage allowances and per diems at statutory rates per country (Verpflegungspauschalen, Kilometerpauschale, meal deductions), taxable and tax-free reimbursements separated for payroll, the input VAT captured per receipt for the deduction, and foreign VAT reclaimed.
0 — No reimbursement of employees; the product covers company cards only and out-of-pocket spending is out of its scope.
3 — Out-of-pocket claims recorded and paid back outside the product by hand; travel allowances and VAT handling are basic or not described.
5 — Approved claims reimbursed through the product or a SEPA payment file, mileage and per diems at configurable rates, and the VAT rate and amount captured per receipt for the input-tax deduction.
8 — Statutory per diems and mileage rates per country maintained by the vendor (German travel expense law named), meal deductions and multi-day trips calculated, reimbursement in several currencies within a stated time, VAT split per rate and receipts checked for the invoice requirements of the deduction, and foreign VAT reclaim offered or integrated with a named partner.
10 — Travel expense law and VAT handled end to end: country rules kept current with a stated process, taxable reimbursements passed to payroll, foreign VAT reclaim filed with the recovered amounts reported, and every reimbursement traceable to the claim and the rule that produced it.
The Travelling Employee
Processing reimbursements and tracking mileage are mentioned in the partnership with Capture Expense, VAT rates travel with the booking data to DATEV, and a lodge card plus real-time travel budget tracking cover travel spend. We found no public information on reimbursement by bank transfer or a SEPA payment file, statutory per diems or mileage rates per country, meal deductions, or foreign VAT reclaim — as a road warrior who wants money back in days, that silence decides it. 9 16 2 14
The Office Manager
Reimbursements and mileage tracking are named as capabilities, VAT rates ride along in the booking data to accounting, and managers see travel budgets in real time. We found no public information on statutory per diems or kilometre rates per country, meal deductions, how an approved claim is actually paid out, or foreign VAT reclaim — the German travel-expense maths would stay on my desk. 9 14 16
The Controller
Reimbursements and mileage tracking are named capabilities, VAT rates and receipts travel to DATEV as structured data, and managers follow travel budgets in real time. We found no public information on statutory per diems or mileage rates per country, meal deductions, how an approved claim is actually paid back, or foreign VAT reclaim — so neither the tax correctness nor the repayment mechanics are visible to me. 9 16 14
The Finance Lead
Reimbursements and mileage tracking appear on the pages for the Capture Expense partner integration rather than as native functions, and VAT reaches the accounting export only as a rate among the transferred booking data, next to merchant-specific accounting rules. We found no public information on statutory per diems and mileage rates per country, meal deductions, SEPA reimbursement files, separation of taxable reimbursements for payroll, or foreign VAT reclaim. 9 16 2
The Tax Adviser
I found no public information on statutory per diems or mileage rates for any country, meal deductions, SEPA reimbursement files, the separation of taxable and tax-free amounts for payroll, or foreign VAT reclaim; reimbursements and mileage are described only in the combined offering with the partner Capture Expense. VAT rates do travel with the booking data to DATEV and accounting information can be reviewed and supplemented per transaction, but nothing states that receipts are checked for the invoice requirements behind the input-tax deduction. 9 16 14
The Skeptic
Reimbursements and mileage appear on the captured pages only through the Capture Expense partner integration ('One system for cards, claims, mileage, and more'); we found no public information on claims being reimbursed through the product or a SEPA payment file, on statutory per diems or mileage rates for any country, or on foreign VAT reclaim. VAT rates are among the fields handed to DATEV for pre-accounting, and that is where the documented tax handling ends. 9 16
Accounting handoff & DATEV
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How this is scored
What reaches the books: export or sync to DATEV (DATEV format, DATEV Unternehmen online, Belegbilderservice) and to named accounting and ERP systems, booking proposals with account, tax key and cost centre, receipts that travel with the booking, card statements reconciled, a GoBD-compliant archive, an API and webhooks, and a complete export of claims, receipts and booking data.
0 — No export of any kind; expenses have to be retyped into the books.
3 — A CSV or PDF export of expense reports; booking data, named integrations and the archive are basic or not described.
5 — Export or sync to at least one named accounting system (DATEV or another) with account and tax code per entry and the receipt attached, several accounting or ERP integrations listed, and a documented API.
8 — A DATEV interface with receipt images (DATEV Unternehmen online or the DATEV Marketplace named), booking proposals that learn account, tax key and cost centre, two-way sync with named ERPs (SAP, Microsoft Dynamics, NetSuite or similar), card statements reconciled for the month-end, a GoBD-compliant archive stated, and webhooks.
10 — The month-end close runs through the product: multi-entity bookings and accruals, a procedure documentation (Verfahrensdokumentation) or GoBD audit offered, a complete audit trail of every financial event, and a full export of claims, receipts and bookings that a successor system can import.
The Travelling Employee
As an official DATEV interface partner with DATEV-confirmed error-free data exchange, card settlement runs through DATEV Rechnungsdatenservice 1.0, a DATEV CSV including a receipt archive and XML via Belegtransfer to DATEV Unternehmen Online export at one click, with GL accounts, VAT rates, cost centres, custom merchant-level booking rules, named ERP integrations including Microsoft Dynamics 365, Oracle NetSuite and QuickBooks, GoBD conformity and a documented API. We found no public information on webhooks or booking proposals that learn from past bookings. 16 4 3 17 13
The Office Manager
Pliant is an official DATEV interface partner and DATEV itself has confirmed the data exchange as technically error-free: the card statement goes out via DATEV Rechnungsdatenservice 1.0, as a CSV including the receipt archive, or as XML through Belegtransfer to DATEV Unternehmen online, at one click. Accounting information per transaction can be reviewed and completed, with GL accounts, VAT rates, cost centres and cost carriers mapped through teams and projects, custom rules for suppliers and edge cases, GoBD conformity and immutable receipt locking stated. Named integrations include Microsoft Dynamics 365, Oracle NetSuite, QuickBooks, Lexware and BMD; we found no public information on webhooks. 16 4 3 17
The Controller
Pliant is an official DATEV interface partner whose data exchange DATEV itself confirmed as technically error-free, exporting via DATEV Rechnungsdatenservice 1.0, a CSV download including a receipt archive, and XML via Belegtransfer to DATEV Unternehmen Online at one click; cost centres and cost carriers map through teams and projects, custom booking rules cover GL accounts and suppliers, each organisation gets a single card statement with cash or creditor booking, GoBD compliance is stated, and Microsoft Dynamics 365 and Oracle NetSuite integrations are named. We found no public information on webhooks or two-way ERP synchronisation, but the DATEV handoff my books depend on is documented in detail. 16 17 4 3
The Finance Lead
This is where Pliant is strongest for my month-end: it is an official DATEV interface partner whose data exchange DATEV has confirmed as technically error-free, the DATEV Rechnungsdatenservice 1.0 settles the credit card statement, XML files go via DATEV Belegtransfer to DATEV Unternehmen Online, and the CSV export includes the receipt archive — with all card transactions of an organisation on a single statement. The transferred data covers GL accounts, VAT rates, cost centres and cost carriers, document numbers, merchant-specific accounting rules and the receipts themselves, GoBD conformity is stated, and API integrations to Microsoft Dynamics 365 and Oracle NetSuite are listed. We found no public information on webhooks or a two-way sync with the ERPs. 16 4 17 3
The Tax Adviser
Pliant is a stated official DATEV interface partner whose data exchange DATEV itself confirmed as error-free: a DATEV XML file goes via DATEV Belegtransfer to DATEV Unternehmen Online, and a DATEV CSV file downloads including an archive with the receipt files for import into DATEV Rechnungswesen — the receipt image travels with the booking, exactly as it should. GL accounts, VAT rates, cost centres via teams and cost carriers via projects, supplier-specific accounting rules including edge cases, and Microsoft Dynamics 365, Oracle NetSuite, QuickBooks, Lexware Office and BMD are all named, alongside GoBD conformity, immutable receipts and an audit report download. We found no public information on webhooks, on two-way ERP synchronisation, or on a Verfahrensdokumentation. 16 4 3 17
The Skeptic
Pliant calls itself an official DATEV interface partner whose data exchange DATEV has verified, sends booking data and receipt files via DATEV Rechnungsdatenservice 1.0 and via Belegtransfer to DATEV Unternehmen online, maps teams and projects onto cost centres and cost carriers, and supports custom accounting rules per GL account and supplier — beside API integrations to Microsoft Dynamics 365, Oracle NetSuite, QuickBooks and Lexware, with GoBD conformity stated. We found no public information on webhooks or on two-way sync with the ERPs, and activating the DATEV integration requires contacting customer support. 16 4 3 17
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where receipt, card and employee data are hosted, and who the subprocessors are (hosting, card issuer and processor, text recognition, open banking, email delivery). Independently sourced by the sovereignty pipeline; expense data is personal and financial at once and shows where employees travel, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (text recognition, card processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity and card issuer, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, issuer, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Travelling Employee
The contracting entity is Pliant GmbH in Berlin with subsidiary Pliant Oy in Finland as licensed card issuer under Finnish supervision, personal data is stated as stored in line with the GDPR, and ISO 27001:2022 and PCI DSS certifications are published, though UK cards come from Transact Payments in Gibraltar. We found no public information on where receipt and employee data are hosted, on the subprocessors and their locations, or on a published data processing agreement. 6 15 11 13
The Office Manager
The contracting entity is Pliant GmbH in Berlin and cards in the EU are issued by Pliant Oy in Helsinki, an authorised e-money institution supervised by the Finnish financial supervisor on a Visa Europe licence, with ISO 27001 and PCI DSS certifications stated. We found no public information on where receipt and employee data are hosted, on the subprocessors behind the machine-learning matching and email delivery, or on a published data processing agreement. Entity and issuer are European and named; the chain between them stays dark. 6 15 13 11
The Controller
The contracting entity and parent are Pliant GmbH in Berlin, registered at Berlin-Charlottenburg HRB 217281 B with a Paris subsidiary, EU cards are issued by Pliant Oy as an authorised e-money institution supervised by the Finnish financial supervisory authority, personal data is stated to be stored in accordance with the GDPR, and ISO 27001:2022 and PCI DSS certifications are published. We found no public information on where receipt, card and employee data are hosted, on the subprocessors in the chain, or on a published data processing agreement — and for the UK market the captured pages name an issuer authorised in Gibraltar. 6 5 15 13 11
The Finance Lead
The contracting entity is Pliant GmbH of Berlin with a Finnish issuer, Pliant Oy, authorized as an e-money institution and supervised by the Finnish financial authority under a Visa Europe licence, and ISO 27001:2022 and PCI DSS certifications are stated alongside a commitment that personal data is stored in accordance with the GDPR. We found no public information on where receipt, card and employee data are hosted, on the ownership structure, or on the subprocessors in the chain. 6 15 13 11
The Tax Adviser
The contracting entity is Pliant GmbH of Berlin with register number and VAT ID, the parent is the same GmbH, and EU cards are issued by Pliant Oy as an authorised e-money institution supervised by the Finnish Financial Supervisory Authority; ISO 27001:2022 and PCI DSS certifications are stated and personal data is said to be stored in line with the GDPR. The captured pages name no hosting location, no subprocessors and no published data processing agreement, so beyond entity, issuer and certificates the chain stays unproven — and for the UK the issuer is Transact Payments under the Gibraltar regulator. 6 15 13 11
The Skeptic
The contracting entity is German (Pliant GmbH, Berlin-Charlottenburg HRB 217281 B) and the EU card issuer is named and regulated — Pliant Oy, supervised by the Finnish financial supervisory authority, with UK cards from Transact Payments in Gibraltar — alongside a GDPR storage statement and ISO 27001:2022 and PCI DSS certifications. But the captured pages state no hosting location for receipt and employee data, name no subprocessors — where receipts are read or email is delivered is unknown — and we found no public information on a published data processing agreement. 6 15 11 13 7
Pricing transparency
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: price per user or per active user, platform or base fee, which modules (travel, reimbursements, DATEV or ERP connectors, extra entities) cost extra, card fees (physical cards, foreign transactions, currency conversion, top-ups), minimum seats and term, and setup.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with users, cards or modules is unclear.
5 — Tiers are public with their per-user or base price and main inclusions, but at least one commonly needed piece (extra users, physical cards, foreign-currency fees, ERP connectors) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (per user, per active user, per card), card and foreign-transaction fees listed, add-ons priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given headcount, card count and module set, with every add-on, setup, support, card and currency fee and the cancellation and data-return terms published.
The Travelling Employee
The pricing page names a Light, Standard and Custom plan with their card counts, integration limits and support levels, and states a minimum of 10.000 € in total monthly card spend plus who the product is not suitable for. We found no public price per user, per plan or per card on the captured pages, and premium cards and the insurance package are only on request or at an unspecified additional fee, so I cannot compute what a year would cost. 5
The Office Manager
The pricing page names three plans — Light, Standard and Custom — with their inclusions (one standard card per user and 25 virtual cards on Light; unlimited virtual and one-time cards, cashback and integrations on Standard) and states the service is not a fit below 10.000 € of monthly card spend, with virtual cards free. We found no public information on any price figure: no per-user or base fee, no card or foreign-transaction fees, and the insurance package is an additional fee 'depending on plan and user count'. I could not compute a monthly cost before a trial, which is the one thing I need from a pricing page. 5 11
The Controller
The pricing page names Light, Standard and Custom tiers with their card, one-time-card and integration allowances, states the service is not intended where total credit card spend is below 10.000 € per month, and lists insurance as an additional fee depending on plan and user count. We found no public information on any euro figure for the plans themselves — per-user or base price, card and foreign-currency fees, minimum term, VAT treatment or setup — so the real annual cost is not computable from public pages. 5
The Finance Lead
The tiers Light, Standard and Custom are published with their inclusions — virtual cards are offered free of charge, Standard with unlimited virtual and one-time cards — together with a stated minimum of 10.000 € in monthly credit card spend and eligibility that excludes freelancers, sole traders and micro-enterprises. We found no public price figures for the tiers themselves, the insurance package is priced depending on plan and user count, and premium cards are available on request, so the real annual cost is not computable from these pages. 5 11
The Tax Adviser
The pricing page names Light, Standard and Custom plans with their inclusions — one standard card per user, 25 virtual cards and five one-time virtual cards monthly on Light; unlimited virtual cards, cashback and integrations on Standard — and states the service is not suitable below 10.000 € pro Monat in total card spend or for freelancers and micro-enterprises, but no euro price is published for any tier; only the virtual cards are stated as free. We found no public information on per-user or base fees, card or foreign-currency fees, minimum term, or VAT treatment, so no annual cost can be computed from the public pages. 5 11
The Skeptic
The pricing page names three plans with their inclusions — Light with one standard card per user and 25 virtual cards, Standard with unlimited virtual and one-time cards plus unlimited cashback and integrations, Custom with a success manager and Pro API — and states the service is not suitable if total card spend is under €10,000 per month, with virtual cards offered free. We found no public information on any monetary price: no per-user or base fee for any plan, no physical-card, foreign-currency or top-up fees, and the insurance package and premium cards are on request, so a buyer cannot compute an annual cost from public pages. 5 11
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined ⚠ unverified | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about Pliant
Is Pliant European?
Yes. whats-best.ai classifies Pliant as EU-Made.
Where does Pliant store data?
Not stated on the vendor’s pages as of 28 Oct 2026.
Does Pliant have a free plan?
Not stated on the vendor’s pages as of 28 Oct 2026.
What are the best alternatives to Pliant?
As of 3 Nov 2026, the panel rates Moss (4/5), N2F (3.5/5) and Spendesk (3.5/5) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Moss (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Pliant alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 28 Oct 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Legal entity. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- 23 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 8 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 7 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 4 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 1 sovereignty dimension could not be confirmed on the vendor’s own pages and is shown as unknown. Know more? Tell us
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. Know more? Tell us
Sources (17)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor homepage www.getpliant.com Checked 28 Oct 2026 Details →
- 2 Features page (company credit cards) www.getpliant.com Checked 28 Oct 2026 Details →
- 3 Features page (receipt management) www.getpliant.com Checked 28 Oct 2026 Details →
- 4 Integrations page www.getpliant.com Checked 28 Oct 2026 Details →
- 5 Pricing page www.getpliant.com Checked 28 Oct 2026 Details →
- 6 Legal notice www.getpliant.com Checked 28 Oct 2026 Details →
- 7 Privacy policy www.getpliant.com Checked 28 Oct 2026 Details →
- 8 Receipt capture & expense claims — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 9 Receipt capture & expense claims — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 10 Company cards & spend control — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 11 Company cards & spend control — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 12 Approval workflows & expense policy — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 13 Approval workflows & expense policy — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 14 Reimbursement, travel allowances & VAT — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 15 Reimbursement, travel allowances & VAT — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 16 Accounting handoff & DATEV — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →
- 17 Accounting handoff & DATEV — found from sitemap www.getpliant.com Checked 28 Oct 2026 Details →