Fintech Startup Pliant Raises $80M in Series C Funding

Pliant, a Berlin, Germany-based provider of a modular B2B payment platform, has raised $80 million in a Series C funding round.

The round was led by Seaya Nova and Speedinvest with participation from Illuminate Financial, Motive Partners, and Molten Ventures.

The company will use the funding to expand into the United States and Canada, prepare for entry into additional international markets, and accelerate its AI development. The investment comes after three consecutive years of doubling its business and crossing $100 million in annual recurring revenue (ARR).

What is Pliant?

Pliant provides a modular payment platform that helps businesses manage commercial payments and financial operations.

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Its platform combines commercial card issuing, payment accounts, foreign exchange (FX) and spend management. Businesses across travel, e-commerce, insurance and AI-focused technology use its services to manage payment workflows.

Pliant also provides payment infrastructure to banks, fintech companies and software platforms that want to build and operate their own commercial payment products.

The company is expanding its use of AI to automate financial tasks. Its own AI agents help customers manage recurring finance work, while third-party agents, including Claude and ChatGPT, can connect to the platform through the Model Context Protocol (MCP).

How Much Funding Has Pliant Raised?

Pliant has raised $80 million in its Series C funding round. The company has not disclosed its total funding raised across all rounds.

The latest investment follows three consecutive years of business growth, during which the company doubled its business each year.

Who Invested in Pliant’s Series C?

The $80 million Series C round was co-led by Seaya Nova and Speedinvest.

Other participating investors include:

• Illuminate Financial
• Motive Partners
• Molten Ventures

Why the Funding Matters

Pliant will use the capital to strengthen its presence in North America, starting with the United States and Canada. It also plans to prepare for expansion into additional international markets.

Another priority is accelerating its AI roadmap. The company plans to develop its capabilities in agentic payments and workflows as businesses increasingly connect AI agents to their financial systems .

Who founded Pliant?

Pliant was founded in 2020 by Malte Rau and Fabian Terner.

The company is headquartered in Berlin, Germany, and operates across eight offices.

“We built Pliant as an API-first, modular B2B payments platform from day one, and we have adopted AI deeply, in our product and in how we run the company,” said Malte Rau, CEO and co-founder of Pliant. “Whether an established business wants AI to automate its payment processes with the right guardrails, or an AI-native company needs a licensed partner that moves as fast as it does, Pliant is built for that.

Market and Business Growth

Pliant has crossed $100 million in annual recurring revenue and reported three consecutive years of doubling its business.

The company employs more than 300 people across eight offices and processes billions of dollars in annual payment volume for businesses and partners across Europe and North America.

Its customers include companies in travel, insurance and AI-native technology, along with banks, fintech companies and software platforms that use its payment infrastructure.

What Happens Next?

Pliant plans to expand its operations in the United States and Canada while preparing to enter more international markets.

The company will also invest in AI-powered payment capabilities, including tools that allow its own and third-party AI agents to manage financial workflows through its platform.

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