Cardlay - simplify spend management with innovative white-label solutions

Elevate your commercial fleet card offering and enter the digital era

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Revolutionizing mobility payments

Extend your fleet and mobility offering by adopting open-loop cards with digital tools to control payments and expenses. Businesses can leverage enhanced data insights and automated data capture to enforce policies and controls with ease, ensuring the flexibility needed for modern fleet operations.

Mobility Cards-as-a-Service - we 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 innovative white-label spend management solutions, including open-loop cards, we cater to the dynamic needs of modern mobility. Our platform empowers fleet operators and service providers to streamline expenses, boost operational efficiency, and provide seamless payment experiences across diverse categories.

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Mobile UX & easy reconciliation

Card spend controls

Enhanced
data

Universal acceptance

Cloud native and API driven

Virtual and physical cards

Mobile UX & easy reconciliation

Card spend controls

Enhanced
data

Universal acceptance

Cloud native and API driven

Virtual and physical cards

Mobile UX & easy reconciliation

Card spend controls

Enhanced
data

Universal acceptance

Cloud native and API driven

Virtual and physical cards

Enhanced mobility experience

Features that will help your customers work smarter

Hand holding an iPhone displaying the Cardlay Expense app.

Mobile application

Issue and tokenize virtual cards in the app for emergency repair

Web application

Multiple export options

Export as Excel

Export in csv

Open API

Direct integration to multiple ERP's

...

Visualization of the Cardlay Expense website showcasing the feature of managing expenses.

Web application

Intuitive approval flows and swiftly manage expenses

Visualization of the Cardlay Expense website showcasing the feature of managing cards and spending.

Web application

Full fleet manager overview of active cards and spending

Allow ATM withdrawal

Allow online payment

Fuel

Food and beverages

Road and bridge toll

Germany only 🇩🇪

Card controls

Category controls

Country controls

Web application

Extensive and granulated
spend controls on fuel cards

Woman using the Cardlay Expense app on the go.

Mobile application

Manage expenses on the go in real-time

Mobile application

Push notifications and messaging

Locked iPhone screen with blue-green background.

12:57

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Transaction was declined

15m ago

Your transaction of GBP 150.99 was declined. View transaction to learn more.

wednesday 7 September

12:57

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12:57

􀝌

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Transaction was declined

15m ago

Your transaction of GBP 150.99 was declined. View transaction to learn more.

wednesday 7 September

12:57

􀟤

12:57

􀝌

􀉪

􀌟

Transaction was declined

15m ago

Your transaction of GBP 150.99 was declined. View transaction to learn more.

wednesday 7 September

12:57

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Gasolino

Now

You have spent EUR 120.00 and are ready to enrich the expense

Needs your attention

Now

Gasolino EUR 120.00. Hi, please finalise and submit your expense.

Administrator

Expense manager

Card manager

Driver

Access rights

Web application

Flexible organisation overview: Manage fleet manager and driver permissions

Expand relationships, attract new customers, and boost revenue

Get the right fit-for-purpose solutions, expand payment options and advance secure payment digitization

Expand acceptance and increase spend authority

Widening your acceptance, provide flexibility, and increase performance of card programs with expanded data categories and advanced payment technologies

Real-time digital card and spend control

Enable granular card controls and authorize fuel and non-fuel purchases with flexible limits to accommodate unexpected expenses with virtual payments

Advanced expense management

Simplify expense management with real time insights, ESG reporting and payment reconciliation with one unified solution

Future proven, scalable and transformative

Our modular and flexible platform enables you to prepare for what’s next and push the boundaries of what’s possible in the fleet and mobility payment space

Expand relationships, attract new customers, and boost revenue

Get the right fit-for-purpose solutions, expand payment options and advance secure payment digitization

Expand acceptance and increase spend authority

Widening your acceptance, provide flexibility, and increase performance of card programs with expanded data categories and advanced payment technologies

Real-time digital card and spend control

Enable granular card controls and authorize fuel and non-fuel purchases with flexible limits to accommodate unexpected expenses with virtual payments

Advanced expense management

Simplify expense management with real time insights, ESG reporting and payment reconciliation with one unified solution

Future proven, scalable and transformative

Our modular and flexible platform enables you to prepare for what’s next and push the boundaries of what’s possible in the fleet and mobility payment space

Expand relationships, attract new customers, and boost revenue

Get the right fit-for-purpose solutions, expand payment options and advance secure payment digitization

Expand acceptance and increase spend authority

Widening your acceptance, provide flexibility, and increase performance of card programs with expanded data categories and advanced payment technologies

Real-time digital card and spend control

Enable granular card controls and authorize fuel and non-fuel purchases with flexible limits to accommodate unexpected expenses with virtual payments

Advanced expense management

Simplify expense management with real time insights, ESG reporting and payment reconciliation with one unified solution

Future proven, scalable and transformative

Our modular and flexible platform enables you to prepare for what’s next and push the boundaries of what’s possible in the fleet and mobility payment space

Expand relationships, attract new customers, and boost revenue

Get the right fit-for-purpose solutions, expand payment options and advance secure payment digitization

Expand acceptance and increase spend authority

Widening your acceptance, provide flexibility, and increase performance of card programs with expanded data categories and advanced payment technologies

Real-time digital card and spend control

Enable granular card controls and authorize fuel and non-fuel purchases with flexible limits to accommodate unexpected expenses with virtual payments

Advanced expense management

Simplify expense management with real time insights, ESG reporting and payment reconciliation with one unified solution

Future proven, scalable and transformative

Our modular and flexible platform enables you to prepare for what’s next and push the boundaries of what’s possible in the fleet and mobility payment space

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

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.

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.

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.

Why should you work with Cardlay?

Our white-label platform enables you to expand your offering and deliver a superior mobility payment experience to your customers. From virtual card issuance to real-time data integration, our technology empowers you to stay ahead in the evolving fleet and mobility landscape.

Ready to transform fleet payments and management?

Man in a suit smiling and using his computer.

Why should we choose Cardlay over others?

We support both VISA and Mastercard, offering a unified solution for seamless service across both networks. Our platform integrates with multiple scheme networks, reducing bank dependency and enabling faster go-to-market.

Why should we choose Cardlay over others?

Does Cardlay support both virtual and physical cards?

Yes, Cardlay supports both. Virtual cards are ideal for online transactions, while physical cards are perfect for in-person purchases—all managed on a single platform.

Does Cardlay support both virtual and physical cards?

Yes, Cardlay supports both. Virtual cards are ideal for online transactions, while physical cards are perfect for in-person purchases—all managed on a single platform.

Does Cardlay support both virtual and physical cards?

Yes, Cardlay supports both. Virtual cards are ideal for online transactions, while physical cards are perfect for in-person purchases—all managed on a single platform.

What is spend management?

Spend management is controlling and tracking expenses to align with company goals. Cardlay simplifies this with automation and real-time insights.

What is spend management?

Spend management is controlling and tracking expenses to align with company goals. Cardlay simplifies this with automation and real-time insights.

What is spend management?

Spend management is controlling and tracking expenses to align with company goals. Cardlay simplifies this with automation and real-time insights.

What about my current card program?

Cardlay integrates with your current program, enhancing it with automation, better data insights, and scalability without replacing your existing setup.

What about my current card program?

Cardlay integrates with your current program, enhancing it with automation, better data insights, and scalability without replacing your existing setup.

What about my current card program?

Cardlay integrates with your current program, enhancing it with automation, better data insights, and scalability without replacing your existing setup.

Can I get the enhanced data and granulated product codes that I get today?

Yes, Cardlay provides detailed transaction data and product codes for precise reporting and analysis.

Can I get the enhanced data and granulated product codes that I get today?

Yes, Cardlay provides detailed transaction data and product codes for precise reporting and analysis.

Can I get the enhanced data and granulated product codes that I get today?

Yes, Cardlay provides detailed transaction data and product codes for precise reporting and analysis.

Why should I launch an open-loop fleet card?

Open-loop fleet cards are widely accepted and provide greater flexibility, real-time tracking, and enhanced spend control for your business.

Why should I launch an open-loop fleet card?

Open-loop fleet cards are widely accepted and provide greater flexibility, real-time tracking, and enhanced spend control for your business.

Why should I launch an open-loop fleet card?

Open-loop fleet cards are widely accepted and provide greater flexibility, real-time tracking, and enhanced spend control for your business.

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!

Frequently asked questions

Get Cardlay now?

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

Contact

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Get Cardlay now?

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

Contact

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Get Cardlay now?

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

Contact

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

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

Banks

Fleets

Tech

Cardlay Expense

Modules

News

About

Contact

Cardlay Privacy Policy

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.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

Banks

Fleets

Tech

Cardlay Expense

Modules

News

About

Contact

Cardlay Privacy Policy

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.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

Banks

Fleets

Tech

Cardlay Expense

Modules

News

About

Contact

Cardlay Privacy Policy

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.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

Banks

Fleets

Tech

Cardlay Expense

Modules

News

About

Contact

Cardlay Privacy Policy

Made with ❤️ by Cardlay Design team

Fleet

Banks

Tech

About

News

Contact

Modules