Empower your commercial cards with digital spend management

Our experiences with banks and commercial card challenges

Focus on what you do best—being a bank—and let us handle what we do best: delivering a best-in-class, corporate-facing frontend for your commercial card clients. Cardlay offers flexible solutions tailored to your needs.

On top of your existing infrastructure

Cardlay’s highly configurable frontend is easily integrated into your commercial card infrastructure without costly, time-consuming development.

Cards-as-a-Service - we will bring all the pieces

We connect underlying systems and partners to deliver a best-in-class commercial card solution under your brand name. With our expertise, we ensure a fast, flexible go-to-market process tailored to your needs.

Strengthen customer relationships

Currently, most banks engage only with carded employees. With our solution, you can expand your reach to all clients, opening doors to significantly increased revenue.

Build stronger relationships with both card and non-card customers through seamless in-app card distribution. Sell more cards, enhance customer convenience, and foster loyalty—all while driving portfolio growth and maximizing your business potential.

Mads Krumhart, CEO Eurocard & Airplus

“... to simplify their work and save them time and money. ”

Mads Krumhart, CEO Eurocard & Airplus

“... to simplify their work and save them time and money. ”

Mads Krumhart, CEO Eurocard & Airplus

“... to simplify their work and save them time and money. ”

The choice is yours

Our flexible, modular platform lets you tailor your approach—launch a complete spend management solution or start small with a card or expense management white-label solution, perfectly customized to meet your needs.

Card management

With card management, you can introduce many of the services found in traditional bank branch offices, but in a real-time environment managed by the company.

Find out more

Expense management

The expense management service delivers a real-time overview of all corporate expenses. All company card transactions and reimbursements for employees are automatically collected and presented through the solution.

Find out more

Features that will help you work smarter

Mobile application

Issue and tokenize virtual cards in the app, anytime, anywhere

Mobile application

Issue and tokenize virtual cards in the app, anytime, anywhere

Web application

Flexible organisation overview: 
Manage employee roles and permissions

Web application

Flexible organisation overview: 
Manage employee roles and permissions

Web application

Flexible organisation overview: 
Manage employee roles and permissions

Mobile application

Manage expenses on the go

Mobile application

Manage expenses on the go

Mobile application

Manage expenses on the go

Web application

View transactions (in real-time)

Web application

View transactions (in real-time)

Web application

View transactions (in real-time)

Web application

Multiple export options

  • Export as Excel

  • Export in csv

  • Open API

  • Directly integration to multiple ERP’s

  • Export as Excel

  • Export in csv

  • Open API

  • Directly integration to multiple ERP’s

Web application

Full overview of active cards

Web application

Full overview of active cards

Web application

Full overview of active cards

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Extensive and granulated spend controls on cards

Web application

Extensive and granulated spend controls on cards

Web application

Extensive and granulated spend controls on cards

Mobile application

Push notifications and messaging

Mobile application

Push notifications and messaging

Mobile application

Push notifications and messaging

How we work with card networks

Card networks are essential and invaluable partners to Cardlay. We are network-agnostic and collaborate closely with them to meet the needs of our joint commercial clients.


Reach out to learn more about how we can leverage your chosen network to enhance your customer offering.

Unlocking value with Cardlay

Let’s build your success together!

Value for the bank

Offer your customers a corporate facing self-service admin and native employee mobile app

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Value for the administrators

Complete card portfolio control and advanced expense management

Value for the employee/cardholders

Easy to use mobile app for on-the-go spend management

Value for the bank

Offer your customers a corporate facing self-service admin and native employee mobile app

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Value for the administrators

Complete card portfolio control and advanced expense management

Value for the employee/cardholders

Easy to use mobile app for on-the-go spend management

Frequently asked questions

We know fintech can be a bit tricky at times, so we’ve made it easy for you by answering the most common questions right here—clear, simple, and just for you!

Can Cardlay be integrated and enrolled on our current commercial card offering?

Can Cardlay help us quickly launch a competitive commercial card offering on our own infrastructure?

Why should we choose Cardlay over others?

We already have a card management app and now want to provide an expense management solution, it that possible?

How does the implementation work?

Who can benefit most from your solutions?

Get Cardlay now?

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

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

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

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

Made with ❤️ by Cardlay Design team

Get Cardlay now?

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

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

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

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

Made with ❤️ by Cardlay Design team

Get Cardlay now?

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

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

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

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

Made with ❤️ by Cardlay Design team

Get Cardlay now?

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

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

Kochsgade 31D, 3 • DK-5000 Odense C

Copenhagen office

Langebrogade 4 • DK-1411 København K

CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team