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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

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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

Virtual payment program for Concur Expense

4,6/5 rated by our users

PCI-DSS compliant

No subscription or set-up fees

Pay-per-use card fees

Virtual payment card program

Full overview and control spend upfront. Eliminate personal and out-of-pocket expense pains

Data feed to Concur Expense

Easy and automated expense reporting and reconciliation in Concur® Expense

No paperwork - save time and money

Gain visibility into company spend and avoid paperwork

No subscription or set-up fees

Pay-per-use card fees apply. Sign up to learn more about our fee list.

Request virtual card

Control company spending upfront in a secure eco-system

An employee can easily request a budget in the app using their SAP Concur credentials

  • Easy request flow

  • Both IOS and Android

  • Substitutes cash and personal expenses

Manage request

Full control and overview of every payment

Manage and control company expenses upfront and reduce risk of fraud and flaws easily

  • Easy approval flow

  • Full overview and control

  • Set up spending rules for all employees

Use your card

Receive virtual payment cards in real-time after approval

The virtual payment card can be used at most vendors within travel, lodging, meals, and entertainment

  • Receive card in real-time

  • Add to wallet

  • View card details

Real-time reconciliation

Make life easier for all of your employees

All transactions are automatically sent to Concur Expense for reconciliation, where employees can finalize their expense handling.

  • Easy reconciliation directly in Concur Expense

  • Save time

  • No paperwork

How to get started

Sign up

Sign up to make an agreement with Cardlay Pay & our payment provider B4B Payments

Get access code from Cardlay Pay

Receive access code 
from Cardlay Pay

Open Cardlay Pay web, register and get started

Manage card requests, virtual card funds and balances for your company

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Fill out KYC

Fill out “Know your customer” form assisted by our Customer Success Manager

Connect through SAP Concur App Center

Connect to Cardlay Pay via 
SAP Concur App Center

1

Sign up

Sign up to make an agreement with Cardlay Pay & our payment provider B4B Payments

2

Fill out KYC

Fill out “Know your customer” form assisted by our Customer Success Manager

3

Get access code from Cardlay Pay

Receive access code 
from Cardlay Pay

4

Connect through SAP Concur App Center

Connect to Cardlay Pay via 
SAP Concur App Center

5

Open Cardlay Pay web, register and get started

Manage card requests, virtual card funds and balances for your company

Sign up now

Control spending upfront with pre-approved budget spend, real-time card issuance and expense reconciliation into Concur Expense.

Sign up
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