Elevate your card portfolio to the next level and launch new digital solutions across your SMEs and large corporations
A mobile-first interface for corporate card issuers, banks and fleet card providers.

Who do we serve


Future proof your existing offering, secure stickiness and increase your revenue

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Expand current offering with integrated card and expense management.

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Expand your current mobility offering with payment cards

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Cardlay Spend Platform

Secure, compliant and scalable with a short time-to-market.

Large Corporate or SME? We have the solution to future proof your business.

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Neutral and agnostic

As a B2B2B embedded platform, Cardlay’s software operates seamlessly with various schemes, processors and other relevant partners in the value chain. Working behind the scenes, Cardlay’s white label platform expands your value proposition to the next level by creating new revenue streams, increasing card volumes, and digitalizing your end-to-end spend management offering.

Speed and technology

We take the time to understand the needs of your corporate clients and deliver white label solutions that are built with the users at their center. We can also support a seamless, digital onboarding while enabling the end-client a superior level of self-service autonomy.

Customer centric

Our standardized platform approach ensures fast and easy product configuration, allowing you to deliver exceptional functional usability to your clients with minimal time to market, and without compromising stability, security or the ability to scale.

Industry experts

We bring a depth of experience, not only in terms of payments and digitalization, but also in terms of best practices to support an effective product roll out as well as helping drive end customer adoption and usage. Together, we help you deliver greater value to your customers with a stickiness that creates a long term advantage against competing alternatives.

Watch Cardlay in action

Looking for a simplified expense solution with Eurocard?

Visit expense.cardlay.com

Cardlay is the differentiating factor for multiple partners across the industry. Join us and stand apart from the crowd.

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What our clients say about us...

We aim to, together with Cardlay, make it easier for customers to integrate budgets, authorization processes, payments and reconciliation into an automated flow, thus minimizing errors and the risk of fraud, and we believe that Cardlay is a strong partner for that.

Francesco Cerlienco
Head of Cards, Citibank

Together with Cardlay, we aim to make an easy, paperless and fully digitalized solution for our more than 259,000 customers across Europe. Our customers and their customers, the cardholders will benefit from an open-loop card solution with positive administrative and cost effects. From integrated card management to expense management and VAT reclaim, which due to automatization is possible for even small amounts.   

Frank Hock
Managing Director, LUNADIS

Virtual payment and integrated solutions will drive the growth of commercial payments in the future. SAP Concur needs to be in the forefront of driving that payment innovation as a market leader. We have chosen to work with Cardlay to leapfrog our innovation and speed to market

SAP Concur

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

Patricia Scott
Nordic Business Manager, Eurocard

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

Mads Krumhart


Get your virtual payment card program for SAP Concur® now

Get full control and visibility into company spending, avoid time-consuming paperwork and make life easier for all your employees.

  • Control company spending upfront

  • No subscription or set-up fees

  • PCI-DSS compliant


Book a demo now

Want to get full control and visibility into company spending, avoid time-consuming paperwork and make life easier for all your employees? Book a demo now

  • Control company spending upfront

  • No subscription or set-up fees

  • PCI-DSS compliant