Credit Card Multi-Account Feature
With the Multi-Account feature, you can use a single Pliant credit card account with an approved credit limit across multiple Candis organizations.
Each organization receives its own cards and budgets – with no visibility into the others.
Important: Only the main account has a credit limit. All subaccounts can only be used with preloaded wallet balances. Subaccounts can only be organizations which belong to the same legal entity as the main account.
This feature is especially useful for companies that manage a central main account but want to allocate expenses across multiple projects or subsidiaries.
This feature is only available for customers on the Credit Card Pro plan.
Benefits of the Multi-Account Feature
Only one verification process: You only need to complete the GWG/KYC process and credit limit approval with Pliant once – for the main account.
One account, multiple organizations: The approved limit of your main Pliant account can be used across multiple Candis organizations.
Separate organizations within Candis: Cards and limits are clearly separated. Each organization only sees its own cards and expenses.
Subaccounts without credit limits: Subaccounts do not have their own credit limits. They can only be used with preloaded wallet balances.
Activating the Multi-Account Feature
Setup is done in collaboration with Pliant Support and the Candis team.
1. Activate Multi-Account Feature in Candis
Submit a request to Candis
Wait for confirmation
2. Create Subaccounts in Pliant
Set up the desired subaccounts within the Pliant platform
After a few days, you will receive confirmation from Pliant along with an IBAN for each subaccount
3. Link with Candis
Inform the Candis Support team of the exact name of the subaccount in Pliant and the associated Candis organization
After verification, the subaccount will be activated in Candis
4. Fund the Subaccounts
Since subaccounts do not have their own credit limits, they must be funded first:
Transfer the desired amount to the IBAN of the subaccount
The subaccount becomes active once the funds are received
Notes & Common Pitfalls
Main account has credit line, subaccounts only use wallet funds: The credit line applies only to the main account. Subaccounts can only operate with preloaded funds.
No card overlap between organizations: Cards belonging to one organization are not visible in others.
Activation may take time: Subaccount activation depends on IBAN assignment and fund transfer, which may cause delays.