One piece at a time

One piece at a time

One piece at a time

Building the future of spend management.

Building the future of spend management.

Building the future of spend management.

Launch your own integrated card and expense management solution with us. Think of us as the digital pieces that complete your puzzle—modular, adaptable, and designed to be delivered as a turnkey solution with our partners or seamlessly integrated into any existing commercial card program.


Launch your own integrated card and expense management solution with us. Think of us as the digital pieces that complete your puzzle—modular, adaptable, and designed to be delivered as a turnkey solution with our partners or seamlessly integrated into any existing commercial card program.


Launch your own integrated card and expense management solution with us. Think of us as the digital pieces that complete your puzzle—modular, adaptable, and designed to be delivered as a turnkey solution with our partners or seamlessly integrated into any existing commercial card program.


Computer displaying the cardlay expense website.
Computer displaying the cardlay expense website.
Hand holding an iPhone showing the Cardlay Expense app used to submit a hotel expense.
Hand holding an iPhone showing the Cardlay Expense app used to submit a hotel expense.
Mountain View Hotel Logo in green with white stars and a mountain visualisation.
Mountain View Hotel Logo in green with white stars and a mountain visualisation.
Mountain View Hotel Logo in green with white stars and a mountain visualisation.
White Gasolino logo featuring red text and a black fuel pump icon in the center.
White Gasolino logo featuring red text and a black fuel pump icon in the center.
White Gasolino logo featuring red text and a black fuel pump icon in the center.

Need attention

1

Mountain View Hotel Logo in green with white stars and a mountain visualisation.
Mountain View Hotel Logo in green with white stars and a mountain visualisation.
Mountain View Hotel Logo in green with white stars and a mountain visualisation.

Mountain view hotel

11:51 Reservation

EUR 215,00

•••• 1234

Mountain view hotel

Now

You have spent EUR 215,00 and are ready to enrich the expense

Your Brand

White-label, corporate-facing spend management frontend

Our corporate platform seamlessly integrates with your commercial card offering, effortlessly meeting customer needs. Customize the solution to your requirements with modular features, enabling faster time to market and a competitive edge.

Seamless connectivity, unified experience

We connect underlying systems and partners to deliver a best-in-class, end-to-end user experience. With our expertise, we ensure a fast, flexible go-to-market process tailored to your needs.

Company, card and expense management

Empower your customers to securely manage users, cards, and expenses through your branded digital interface. Deliver a user-friendly, intuitive experience with real-time insightsfostering trust and satisfaction from day one.

Transaction enrichment

3rd party integrations

Network scheme

data

ERP

integrations

Issuers/

Processors

KYB / KYC providers

Transaction enrichment

3rd party integrations

Network scheme

data

ERP

integrations

Issuers/

Processors

KYB / KYC providers

3rd Party integrations

ERP

Integrations

KYB / KYB providers

Transaction enrichment

Network Scheme

Data

Issuers

Processors

Accelerate your go-to-market and drive adoption

Future-proof your existing offering, enhance customer retention, and boost revenue.

01

Hierarchy and user management

Flexible hierarchy and approval flow with a seamless user onboarding

02

Effortless spending w. virtual cards

Simple and secure management of virtual and physical cards

03

Intuitive and mobile first experience

Efficiently manage cards and expenses with control and flexibility

04

Enhanced reporting with automated reconciliation

Real-time expense data and streamlined reporting at your fingertips

Administrator

Expense manager

Card manager

Employee

Access rights

Accelerate your go-to-market and drive adoption

Future-proof your existing offering, enhance customer retention, and boost revenue.

01

Sign up

Fill out your information

02

Effortless spending w. virtual cards

Simple and secure management of virtual and physical cards

03

Intuitive and mobile first experience

Efficiently manage cards and expenses with control and flexibility

04

Enhanced reporting with automated reconciliation

Effortlessly keep track of your company’s expenses

Administrator

Expense manager

Card manager

Employee

Access rights

Accelerate your go-to-market and drive adoption

Future-proof your existing offering, enhance customer retention, and boost revenue.

01

Hierarchy and user management

Flexible hierarchy and approval flow with a seamless user onboarding

02

Effortless spending w. virtual cards

Simple and secure management of virtual and physical cards

03

Intuitive and mobile first experience

Efficiently manage cards and expenses with control and flexibility

04

Enhanced reporting with automated reconciliation

Real-time expense data and streamlined reporting at your fingertips

+

49,900

Companies

45

Markets

+

73

M

Expenses handled

Expenses

Configurable and flexible platform to meet all needs 

With Cardlay, you can support multiple customer segments with tailored offerings. We prioritize creating solutions that align with the unique needs of each segment.

Core platform servicing your micros to medium/large corporation

Our focus and core capabilities cater for the needs of small businesses and up to medium to large organizations. From the simple solution without major complexities to the configurable and comprehensive needs of the larger customers.

Strategic partnerships servicing your large and global customers

We focus on excelling at what we do best while collaborating with strategic partners to enhance our platform. For large global customers, we work with market-leading experts to seamlessly integrate innovative solutions that address the complexities of servicing global corporations.

Strategic partnership

Micro

SMe/B

Medium

Large

Global

Core platform

Strategic partnership

Micro

SMe/B

Medium

Large

Global

Core platform

Strategic partnership

Micro

SMe/B

Medium

Large

Global

Core platform

What our clients say about us...

Partner with Cardlay to accelerate innovation and speed to market.

We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.

Mads Krumhart, CEO, SEB Kort

Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay
is a strong partner.

Patricia Scott, Nordic Business Manager, Eurocard

“With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.”

Francesco Cerlienco, Head of Cards, Citibank

Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.

SAP Concur

What our clients say about us...

Partner with Cardlay to accelerate innovation and speed to market.

We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.

Mads Krumhart, CEO, SEB Kort

Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay
is a strong partner.

Patricia Scott, Nordic Business Manager, Eurocard

“With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.”

Francesco Cerlienco, Head of Cards, Citibank

Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.

SAP Concur

What our clients say about us...

Partner with Cardlay to accelerate innovation and speed to market.

We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.

Mads Krumhart, CEO, SEB Kort

Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay
is a strong partner.

Patricia Scott, Nordic Business Manager, Eurocard

“With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.”

Francesco Cerlienco, Head of Cards, Citibank

Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.

SAP Concur

Book a free session
with our team

Book a free session
with our team

Curious about our solutions, or do you want to see it in action? Don’t worry, we got you covered.
Schedule a meeting with our team and we will show you all the cool stuff we’ve got!

Curious about our solutions, or do you want to see it in action? Don’t worry, we got you covered.
Schedule a meeting with our team and we will show you all the cool stuff we’ve got!

Computer on a table displaying the Cardlay Expense website.
Hand holding an iPhone displaying the Cardlay Expense app.
Mountain View Hotel Logo in green with white stars and a mountain visualisation.
Orange "Fuel And Food" logo.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

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Get Cardlay now?

Ready to transform your spend management to the next level? Reach out. We are here to help.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Get Cardlay now?

Ready to transform your spend management to the next level? Reach out. We are here to help.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Get Cardlay now?

Ready to transform your spend management to the next level? Reach out. We are here to help.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team