CREDIT CARDS

Credit cards for forward-thinking companies

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.

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"Es ist unsere Aufgabe, administrative Prozesse für unsere Mitarbeitenden so einfach wie möglich zu gestalten. Mit dem Circula-Tool für die Reisekostenabrechnung und der Circula-Kreditkarte ist uns das gelungen."

Christian Ehrling

Director Operations, Futurice

2,000+ companies automate their expense management with ● Circula

Technology Companies

Professional Services

Mid-Market

7,000 positive reviews show our customers' love for Circula.

Discover the smart ● Circula company credit cards

High credit and transaction limits  (up to €750,000)

0 % mark-up on VISA’s  foreign exchange rates

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

View all your data on your smartphone

Simple and secure payments online and mobile with Google Pay^TM

Pay in apps, on websites, and at millions of businesses worldwide where contactless payments are accepted with Google Pay^TM and save even more time at the checkout.

Your perks

Maximum
independence

Easily issue your credit cards independently – without having to go through lengthly processes.

Lower
compliance risks

100% compliant with tax regulations, data security laws and GoBD.

More
automation

Your credit card transactions are processed automatically in Circula.

Faster
month-end closing

Thanks to efficient and automated workflows for all expenses.

Happier
employees

Thanks to smart company credit cards, slow reimbursement processes are a thing of the past.

Better
overview

You have an overview of all credit card spending in real time.

Why Circula?
Here's what our customers say.

Easy to use

"Circula is one of the most successful software launches of the last 15 years due to its user-friendliness. Onboarding was effortless. We consistently receive positive feedback from our employees!"

Holger Mirbach

Commercial Manager, FIDES Treuhand GmbH & Co. KG

Right Confirmity

"Circula has a software certificate, procedural documentation and it is clearly demonstrated that legal requirements and certain standards are met."

Daniel Lindner

Head of Accounting, Orthomol

Efficiency

"The workload of employees for accounting has been significantly reduced, from well over 30 minutes to five minutes per trip."

Christian Ehrling

Director Operations, Futurice

DATEV interface

"The perfectly integrated DATEV interface provides us with the digitally pre-captured data including document images for monthly financial accounting."

Armin Inselsperger

Tax Consultant, KMpro

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 meeting

faster  finance teams

Easy Setup

Ease of Use

Compliant

Easy Setup

Ease of Use

Compliant

● FAQ

All you need to know

Where are Circula’s cards accepted?

Circula offers VISA credit cards, which are accepted by over 80 million merchant locations in over 200 countries. Learn more about VISA here.

Does Circula support Visa 3D Secure?

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.

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Is Circula 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.

What are the exchange rates?

If you use Circula cards for online purchases in a foreign currency, Circula will apply the daily VISA exchange rate without surcharges or additional fees.

Does Circula offer debit cards as well as credit cards?

No, all our cards are real credit cards.

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What are corporate credit cards and how can they be used?

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.

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