Say goodbye to manual tasks, hello to Spencer
Say goodbye to manual tasks, hello to Spencer
Say goodbye to manual tasks, hello to Spencer
Say goodbye to manual tasks, hello to Spencer
Spencer is your AI-powered expense assistant that automates tasks,
reduces errors, and keeps every transaction accurate.
Spencer is your AI-powered expense assistant that automates tasks, reduces errors, and keeps every transaction accurate.
Spencer transforms everyday expense handling with real-time AI technology that saves time and eliminates hassle.
Spencer transforms everyday expense handling with real-time AI technology that saves time and eliminates hassle.
Experience the peace of mind that comes with having your finances under control.
Capture your receipts
Upload your receipts.
Spencer instantly recognizes the details and connects them to your expenses.
9:41
Serways
Serways
************************
************************
Amount
€13.07
************************
---- ---- ---- 4897
#723859
Credit card
Authorization code
Doc-Nr. 7543/006/00003 01.05.25 12:41
************************
Items
1 Currywurst with fries
€7.99
€2.99
€2.09
1 Coffee
1 VAT 19.0%
Price
************************
DANKE SCHÖN!
Capture your receipts
Upload your receipts.
Spencer instantly recognizes the details and connects them to your expenses.
9:41
Serways
Serways
************************
************************
Amount
€13.07
************************
---- ---- ---- 4897
#723859
Credit card
Authorization code
Doc-Nr. 7543/006/00003 01.05.25 12:41
************************
Items
1 Currywurst with fries
€7.99
€2.99
€2.09
1 Coffee
1 VAT 19.0%
Price
************************
DANKE SCHÖN!
AI reviews & refines
Spencer detects mismatched or missing info, auto-fills key data, and learns from each submission to improve accuracy.
Spencer
I’ve pulled the details from your receipt and filled in the blanks.
AI reviews & refines
Spencer detects mismatched or missing info, auto-fills key data, and learns from each submission to improve accuracy.
Spencer
I’ve pulled the details from your receipt and filled in the blanks.
Submit confidently
Review your pre-filled expenses with ease, Spencer flags anything missing or incorrect so you can confirm and submit faster.
Submit confidently
Review your pre-filled expenses with ease, Spencer flags anything missing or incorrect so you can confirm and submit faster.
Capture your receipts
Upload your receipts.
Spencer instantly recognizes the details and connects them to your expenses.
9:41
Serways
Serways
************************
************************
Amount
€13.07
************************
---- ---- ---- 4897
#723859
Credit card
Authorization code
Doc-Nr. 7543/006/00003 01.05.25 12:41
************************
Items
1 Currywurst with fries
€7.99
€2.99
€2.09
1 Coffee
1 VAT 19.0%
Price
************************
DANKE SCHÖN!
AI reviews & refines
Spencer detects mismatched or missing info, auto-fills key data, and learns from each submission to improve accuracy.
Spencer
I’ve pulled the details from your receipt and filled in the blanks.
Submit confidently
Review your pre-filled expenses with ease, Spencer flags anything missing or incorrect so you can confirm and submit faster.
Explore features
The intelligence behind effortless expenses
The intelligence behind
effortless expenses
The intelligence behind effortless expenses
A closer look at how Spencer brings automation and simplicity to every expense process.
Prompts for missing information
When something’s incomplete or incorrect, Spencer gives a timely nudge to review and fix it.
Expense
User
Spencer
Heads up! This expense
needs your attention.
Prompts for missing information
When something’s incomplete or incorrect, Spencer gives a timely nudge to review and fix it.
Expense
User
Spencer
Heads up! This expense
needs your attention.
Auto-fills expense data
Spencer reads and extracts key details, such as merchant, currency, and amount from receipts and fills automatically.
Merchant
Serways
Amount
USD 57
Merchant
Hotel Mountain
Spencer
Auto-fills expense data
Spencer reads and extracts key details, such as merchant, currency, and amount from receipts and fills automatically.
Merchant
Serways
Amount
USD 57
Merchant
Hotel Mountain
Spencer
Detects errors instantly
Spencer flags mismatched or irrelevant receipts in real time, before they become costly mistakes.
Merchant
Currency
Amount
Spencer
The details you added don’t match what’s on the receipt.
Detects errors instantly
Spencer flags mismatched or irrelevant receipts in real time, before they become costly mistakes.
Merchant
Currency
Amount
Spencer
The details you added don’t match what’s on the receipt.
End-to-end automation
Spencer handles repetitive tasks, saving time and reducing manual work.
Smart Automation
End-to-end automation
Spencer handles repetitive tasks, saving time and reducing manual work.
Smart Automation
Prompts for missing information
When something’s incomplete or incorrect, Spencer gives a timely nudge to review and fix it.
Expense
User
Spencer
Heads up! This expense
needs your attention.
Auto-fills expense data
Spencer reads and extracts key details, such as merchant, currency, and amount from receipts and fills automatically.
Merchant
Serways
Amount
USD 57
Merchant
Hotel Mountain
Spencer
Detects errors instantly
Spencer flags mismatched or irrelevant receipts in real time, before they become costly mistakes.
Merchant
Currency
Amount
Spencer
The details you added don’t match what’s on the receipt.
End-to-end automation
Spencer handles repetitive tasks, saving time and reducing manual work.
Smart Automation
Benefits
Why Spencer matters
Why Spencer matters
By combining automation and intelligence, Spencer helps Cardlay’s partners deliver smarter expense management experiences to their customers, all within a scalable, white-label platform.
By combining automation and intelligence, Spencer helps Cardlay’s partners deliver smarter expense management experiences to their customers, all within a scalable, white-label platform.
By combining automation and intelligence, Spencer helps Cardlay’s partners deliver smarter expense management experiences to their customers, all within a scalable,
white-label platform.
Accuracy from the start
AI-powered automation detects and corrects receipt errors early, reducing mistakes by up to 85%.
AI-powered automation detects and corrects receipt errors early, reducing mistakes by up
to 85%.
Less admin, more action
Spencer handles repetitive tasks automatically, saving hours of manual work for every employee.
Real-time clarity
See all company spending right away with clear, correct data for every purchase.
Seamless Experience
Spencer works quietly in the background, empowering finance teams with cleaner data.
Ready to meet Spencer?
Ready to meet Spencer?
Spencer is available as part of Cardlay’s white-label spend management platform, giving banks and fintechs the power to deliver intelligent expense automation under their own brand.
Book a demo or speak with our team to learn how AI can transform your spend platform.
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