# Pliant

**Canonical:** https://apis.io/providers/pliant/  
**Website:** https://www.getpliant.com/en-us  
**APIs profiled:** 1

Pliant is a Berlin-based financial technology company offering a business credit card and spend-management platform, plus Cards-as-a-Service (CaaS) and Banking-as-a-Service (BaaS) infrastructure for banks and platforms. Its Pro API lets customers programmatically issue physical, virtual, single-use and specialized cards (travel, fleet, benefits, insurance-claim), apply card controls and advanced limits, retrieve transactions and accounting data, manage receipts, projects, teams and statements, and subscribe to real-time callbacks. Pliant is PCI DSS certified, ISO/IEC 27001:2022 certified and holds an EU e-money license, with customers including BMW, Decathlon, Deutsche Telekom and Commerzbank.

## Kin Score — 52.4 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 52.4).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 51.6 |
| Governance | 12.5 |
| Operational Transparency | 57.9 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 42.1 |

Regulatory layer — **Payments**: 50.0 (matched via tags).

## Agent readiness — 48.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Pliant Pro API (Customer)** — Pliant's Pro API enables customers to access Pliant credit card data and features programmatically — issue and manage cards, apply card controls and limits, retrieve transaction...

## MCP servers (1)

- **pliant-mcp.yml**

## Security (3)

- **Pliant Authentication** — oauth2 · 1 scheme
- **Pliant Domain Security** — TLSv1.3 · HSTS · DMARC
- **Pliant Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Payments, Corporate Cards, Card Issuing, Spend Management, Expense Management, Fintech, Cards as a Service, Banking as a Service, Travel, Accounting

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/pliant/). Scores are computed from the provider's own public artifacts under a published rubric.