Who is Cardlay?

Who is Cardlay?

We’re transforming how companies manage cards, payments, and expenses—making it digital, intelligent, and paperwork-free.

We empower banks, card issuers, and financial institutions to deliver end-to-end spend management solutions through seamless technology integration.


Our software automates and simplifies business processes, including:


• Payment cards (virtual and plastic)

• Card management

• Expense management

• Seamless reconciliation with multiple accounting systems


With a focus on digital connectivity, rapid deployment, and go-to-market support, we help partners meet user needs efficiently. Leveraging machine learning and intelligent solutions, Cardlay drives innovation in business process automation and transforms financial technology.

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.

2016

founded

9

nationalities

+50

employees

Cardlay’s taking over the world!

We empower businesses across the globe to enjoy hassle-free card and expense management.

We empower businesses across the globe to enjoy hassle-free card and expense management.

We empower businesses across the globe to enjoy hassle-free card and expense management.

🇺🇸

United States

2 offices

🇩🇰

Denmark

2 offices

A map showing the Cardlay office locations in Denmark and the United States.
A map showing the Cardlay office locations in Denmark and the United States.
A map showing the Cardlay office locations in Denmark and the United States.

Meet the team behind Cardlay

Our team is a blend of 9 nationalities with diverse skills and experiences. From developers passionate about the latest trends to senior C-levels with questionable dad humor, we’re a fun and dynamic group. One thing most of us share? A love for burgers—because who doesn’t?


At Cardlay, we’re on a mission to make life easier for businesses by driving effortless spend. We’re transforming how companies manage cards, payments, and expenses—making it digital, intelligent, and paperwork-free.


Join our global journey, collaborating with leading players in payment innovation. With recent funding, we’re scaling fast—ready for the challenge? See our open positions

The Cardlay team standing outside the office in Odense, Denmark.
The Cardlay team standing outside the office in Odense, Denmark.
The Cardlay team standing outside the office in Odense, Denmark.

Our core values of brains and hearts

At Cardlay, our core values guide both how we work internally and how we engage with the world. These values help us communicate effectively, stay aligned, and drive success.

Confidence

We empower bold decision-making, backed by trust and a strong reputation for excellence.

Confidence

We empower bold decision-making, backed by trust and a strong reputation for excellence.

Confidence

We empower bold decision-making, backed by trust and a strong reputation for excellence.

Ambition

We challenge the status quo, striving to exceed expectations and continuously raise the bar.

Ambition

We challenge the status quo, striving to exceed expectations and continuously raise the bar.

Ambition

We challenge the status quo, striving to exceed expectations and continuously raise the bar.

Commitment

We align with our vision, consistently delivering high-quality products and transparent communication.

Talent

We invest in growth by fostering a culture of development and supporting team collaboration.

Generosity

We prioritize open communication, sharing knowledge, time, and a sense of community.

Generosity

We prioritize open communication, sharing knowledge, time, and a sense of community.

Generosity

We prioritize open communication, sharing knowledge, time, and a sense of community.

Collaboration

We build trust and teamwork, working together to achieve mutual success and shared goals.

Collaboration

We build trust and teamwork, working together to achieve mutual success and shared goals.

Collaboration

We build trust and teamwork, working together to achieve mutual success and shared goals.

We love challenges - and hire the best.

We continue to search for new ideas and better experiences in everything we do. And we do it together.

We are looking exactly for YOU if you have that high level toolbox and the Cardlay-factor mindset. See you soon!

Senior Frontend Developer

København K or Odense M

As a senior frontend developer, you will be responsible for implementing our React web application, as well as contributing to our UI library utilised by all development teams.
Senior Frontend Developer

København K or Odense M

As a senior frontend developer, you will be responsible for implementing our React web application, as well as contributing to our UI library utilised by all development teams.
Senior Frontend Developer

København K or Odense M

As a senior frontend developer, you will be responsible for implementing our React web application, as well as contributing to our UI library utilised by all development teams.

Unsolicited application

We are always looking for new talent to add value to our team. Even if there are no current job openings that fit you, we welcome inquiries from engaged and skilled individuals.

Unsolicited application

We are always looking for new talent to add value to our team. Even if there are no current job openings that fit you, we welcome inquiries from engaged and skilled individuals.

Unsolicited application

We are always looking for new talent to add value to our team. Even if there are no current job openings that fit you, we welcome inquiries from engaged and skilled individuals.

Management

Meet our senior management team, who bring a wealth of experience and strategic vision, driving innovation and growth across all aspects of our business.

Jørgen Christian Juul

CEO & Founder

Management

Meet our senior management team, who bring a wealth of experience and strategic vision, driving innovation and growth across all aspects of our business.

Jørgen Christian Juul

CEO & Founder

Simon Birch Skou

CMO/CRO

Kasper Guul Laursen

SVP Partner Sales

Michel Thorsen

SVP

Mikkel Godt Gregersen

CFO

Charlotte Juel Toftbo

VP Implementation

Management

Meet our senior management team, who bring a wealth of experience and strategic vision, driving innovation and growth across all aspects of our business.

Jørgen Christian Juul

CEO & Founder

Simon Birch Skou

CMO/CRO

Kasper Guul Laursen

SVP Partner Sales

Michel Thorsen

SVP

Mikkel Godt Gregersen

CFO

Charlotte Juel Toftbo

VP Implementation

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

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