What is CaaS (Cards-as-a-Service)?
Offer enhanced financial services with CaaS (Cards-as-a-Service) to boost customer experience and revenue. Choose the right card program and partner for a quick launch. On this page, you’ll find answers to all your embedded finance questions: What is CaaS, how to launch a card program, and available models. Get in touch to learn how CaaS benefits your business and how Pliant can assist in your card program launch.
Offer enhanced financial services with CaaS (Cards-as-a-Service) to boost customer experience and revenue. Choose the right card program and partner for a quick launch. On this page, you’ll find answers to all your embedded finance questions: What is CaaS, how to launch a card program, and available models. Get in touch to learn how CaaS benefits your business and how Pliant can assist in your card program launch.
Introducing Cards-as-Service (CaaS)
Fintech is big business, and if you already have a customer base, offering easy-to-access credit card services can help your business grow. However, the thought of launching and managing your own card program can often feel like more effort than it’s worth.
That’s where CaaS (Cards-as-a-Service) comes in – and Pliant is the perfect partner to guide you through the process. Rather than getting tied up in development efforts and navigating regulatory frameworks, we'll help you stay focused on bringing cards to your customers.
With Pliant at your side, you can enjoy the benefits of issuing credit cards with none of the drawbacks. Whether you’re looking for a fully white-labeled product or to integrate our cards into your own system, get in touch with our team today.
Your card program: enjoy the benefits of CaaS benefit from the best-in-class card solution in the market in 4 simple steps
Expand your offering
If you’re looking to create an all-in-one tool while staying focused on your core solution, embedded finance is the key to maintaining efficiency. Partner with Pliant to diversify your offering – reaching more customers and providing best-in-class services that improve their experience with your brand.
Grow your revenue
Enhancing your product with a digital credit card solution means new streams of revenue – via software and interchange fees – from day one. Once your customers start spending using your branded credit cards, you’ll receive a steady stream of income with minimal operational expenses.
Simplify compliance
Don’t get lost in mountains of red-tape: simplify your compliance efforts with our market-proven regulatory framework and out-of-the-box compliance setup. When you partner with Pliant, our Cards-as-a-Service experts will take care of KYB and KYC, AML and credit risk checks: helping you provide the perfect experience with full compliance.
Stay on-brand
It’s your card program – and they’re your customers – which is why your brand should stay at the center of any CaaS program. With various options for implementation – including white labeled and embedded solutions – you can define the specifics of your card program with ease.
CaaS is an integrated offering with our expense and invoice management platform SpendControl. With only one platform, the finance suite manages the entire accounts payable process. For Klippa this leads to more qualified sales leads, happier customers and less churn because of the more complete offering.
Bart-Jan MaatmanCFO, Klippa 
Our previous virtual credit card system had several shortcomings. After getting familiar with Pliant, we found that practically all of them were covered and solved.
Jari IltanenOperations Controller of Elämys Group 
Get to grips with embedded finance
From your hypermarket’s store credit card to payments via your favorite ride share apps, embedded finance is an emerging trend across all types of industries. The question: how can you integrate financial services into your non-financial offerings – and profit as a result?
Pliant’s Cards-as-a-Service team is here to help you get the most out of embedded finance. Regardless of your team’s financial expertise, we’ll guide you through the entire implementation process and ensure a smooth onboarding to your new world of opportunities.
Launch your own credit card
Starting your own credit card program is a journey full of choices: from selecting the right card program, to finding a banking partner, building the technology, developing underwriting and compliance processes, and marketing and selling to your clients.
We’ve created a step-by-step guide to launching your company’s card program. Once you’ve read it, get in touch to find out explaining how you can use a Cards-as-a-Service provider to reduce complexity while increasing go to market speed.
Pliant CaaS: your Cards-as-a-Service partner
With Pliant CaaS, you can issue your own credit cards through our best-in-class B2B card platform and ready-to-go regulatory and compliance framework. Following a short onboarding process, you’ll be able to:
Build an all-in-one solution
Bring credit cards directly into your product so your customers can streamline their spending processes.
Increase customer loyalty and engagement
Make your brand a daily touchpoint for customers to create "sticky-ness" in your product.
Learn more about your customers
Gain deeper insights into your customers' spending habits and preferences, and generate valuable data for future business decisions.
Grow your customer base
Engage existing clients with cross-selling opportunities or attract new ones with a complementary financial product.
Embedded finance: simplify the setup
Not just anyone can issue credit cards – and launching your card program can end in a labyrinth of red tape. From regulatory compliance to infrastructure setup and ongoing maintenance, ensuring security and providing reliable customer support may see the costs of a card program outweigh the benefits.
Help is at hand. At Pliant, we’ve taken care of compliance and regulatory topics so you don’t have to. Our Cards-as-a-Service (CaaS) solution offers pre-built infrastructure, robust security measures, and seamless integrations – enabling you to focus on your core business and leave the paperwork to us.
Cards-as-a-Service: a solution for any industry
Cards-as-a-Service helps you open new revenue streams, monetize existing customers, and attract higher wallet shares – whatever industry you operate in. In fact, when it comes to offering credit cards, the opportunities are endless.
For example, travel management companies can offer credit cards to ensure seamless booking and expense tracking. Likewise, expense management platforms can benefit from integrated solutions, simplifying reconciliation and providing real-time insights for better financial management.
Cards-as-a-Service: Launch Your Credit Card Program Now.
FAQ
Cards-as-a-Service (CaaS) is a type of embedded finance that enables non-financial companies to issue virtual or physical cards to their customers. This can be used to create “all-in-one” products that handle business expenses end-to-end, or alternatively to provide a trusted payment method from a reliable source. CaaS providers like Pliant handle the “nuts and bolts” of the card program, taking responsibility for card issuance, management, and associated services, catering to diverse business needs.
Cards-as-a-Service (CaaS) provides a range of benefits to companies who issue cards: creating new revenue streams, improving the product portfolio or service offering, and attracting new customers in the process.
Companies who implement a Cards-as-a-Service solution can benefit from simplified expense tracking, heightened control over spending, streamlined payment procedures, increased security via virtual cards, customizable spending limits, real-time monitoring capabilities, seamless integration with expense management platforms, and scalability to adapt to changing business requirements.
Companies across various industries can benefit from Cards-as-a-Service (CaaS). Travel management companies can offer pathways for seamless booking and expense tracking, while expense management platforms can integrate solutions for simplified reconciliation and real-time financial insights. Additionally, retail, hospitality, and service-based businesses can optimize payment processes and expense management through CaaS.