About Cardlay

About us

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.

We are a strategic partner to banks, card issuers, processors, and other financial institutions in the digital transformation process. Our mission is to enable our partners to supply end-to-end spend management to their clients by creating a global spend management network that connects our technology to some of the biggest financial institutions and technology corporations in the world.

We understand that the world needs digital solutions, and we want to add value to the end-user. Not only are we securing the digital connectivity to serve user's needs, but we are also ensuring a short time to market and a full go-to-market support solution.

Our software is aimed at helping companies automate business processes, by leveraging the integration between payment cards (virtual and plastic), card management, travel expense management and automated EU VAT reclaim. 

At Cardlay, we continue to challenge the endless possibilities of business process automation and bringing transactions to life through machine learning and intelligent solutions.

50 employees

9 nationalities

Founded in 2016

2 offices

3 development teams

Change the world. Strong partnerships.

The Cardlay solution is build and taken to market together with leading global players in the value chain. We connect and integrate to leading card schemes, processors, acquirers, card issuers and banks.

Cardlay brings a full tech infrastructure from leading partners together with our innovative technology to enable a real-time digital processing of commercial cards and payments.

Awards and recognition

Cardlay has already won a number of awards, recognizing our unique and user-friendly solution. We are proud to have been featured as:

Fintech Scaleup Award 2018

Copenhagen Fintech

Fintech Scaleup Award 2018

Copenhagen Fintech

Fintech Scaleup Award 2018

Copenhagen Fintech

Fintech Scaleup Award 2018

Copenhagen Fintech

The Top 25 FinTech Product Executives of 2021

Jørgen Christian Juul, Cardlay CEO


Jørgen Christian Juul

CEO & Co-Founder

Jørgen Christian Juul is the founder of Cardlay and has extensive experience from holding executive positions in listed companies and other corporate organisations, and at the same time being an entrepreneur. In his most recent position, he served as Executive Chairman at Wallmob, which he founded, operated, and sold to the Nordic IT Conglomerate Visma.

Mikael Elling


Prior to joining Cardlay, Mikael held CFO and VP finance positions for several large MNCs and PE owned corporations. He has vast international experience and recently lived and worked 6 years as CFO in Singapore. As CFO, Mikael has successfully executed a number of M&A transactions, exits and due diligences. He has issued and listed large financial instruments and has strong experience with international capital markets and in managing investor relations.

Jens Sørensen


As CTO Jens is responsible for Cardlays product development. Prior to Joining Cardlay Jens have held positions as CTO for cloud accounting provider e-conomic for 6 years and CEO of Reviso for 3 years providing cloud accounting to Italy, Spain US and Germany. Jens has extensive experience from web and SaaS companies in both Europe and US where he spent 8 years in enterprise software companies in the SF Bay Area.

Simon Birch Skou


Simon is commercially responsible at Cardlay. He has +12 years of experience of experience within digital sales, marketing, product and business development. Simon is an experienced executive from positions in Ecommerce, webportal and Telco companies, recently Direction of Oister Mobile and as CEO of the webportal Ejendomstorvet. Expertise within digital business models and partnerships.

Michel Thorsen


Michel Thorsen is an experienced Business and Project director with more than 20 years experience with IT product definition, development, service delivery, and support. He is currently SVP.

Jannick Asmus

Head of Design

Former AD & Head of Design at Wallmob. Jannick has been with Cardlay since the very beginning and formed the company's unique and strong design profile. He brings solid product- & user-design experience from significant digital players.

Board of Directors

Torben Frigaard


Chairman Umbraco & Former Chairman MIR

Javier Perez

Board member

Founder & Managing Partner, Global PayTech Ventures Former President of Mastercard Europe

Thorleif Krarup

Board member

Former Group CEO Nordea

Jørgen Christian Juul

Board Member

Founder & CEO of Cardlay – Former founder of Wallmob

Johan Wolf

Board Member

Senior Investment Manager – SEB Venture Capital

Nicolai Fink Gundersen

Board Member

Venture Investor, Gundersen FO / Former Auditor & Consultant KPMG and EY

Inquiry form

We’re happy to answer any question you may have, just send us a message via this form.
We’ll get back to you as soon as possible.

Want to know more?

Let’s get in touch and talk about how we may help your business

Make an inquiry