Orchestrate spend across your entire organisation
Unify cards, expenses, and financial workflows across entities, systems, and geographies with a fully configurable platform built for complex enterprise environments.
Enterprise-grade control. Without the complexity
Gain complete visibility and control over spend — without slowing your business down.
Multi-entity and hierarchy management.
Full control for modern businesses.
Control, compliance and customization at scale.
Cardlay delivers powerful spend management for large enterprises balancing control, compliance, and integration with ease.
Built for governance. Designed for scale.
Cardlay delivers powerful spend management for enterprise subsidiaries and mid-market firms.
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Connect to SAP, NetSuite, Workday & more
Custom integrations
Centralized oversight across units and countries
Multi-entity support
Fully flexible cost structure
Advanced cost codes
Full digital trail of spend, approvals, and receipts
Audit-ready records
Instantly lock cards, update limits, or restrict categories
Real-time controls
Out of pocket expenses
Give employees the flexibility to pay when needed without losing control or visibility. Out-of-pocket expenses are seamlessly captured, enriched, and reimbursed within the same platform.
Out of pocket expenses
Give employees the flexibility to pay when needed without losing control or visibility. Out-of-pocket expenses are seamlessly captured, enriched, and reimbursed within the same platform.
Custom integrations
Out-of-the-box ERP integrations via leading providers plus flexible APIs for fully tailored setups.
Multi-entity support
Cardlay enables enterprises to operate across multiple entities, regions, and business units — all within a single platform. Each entity can maintain its own users, policies, and financial structures, while central teams retain full visibility and control.
Advanced cost codes
Bring precision to every transaction.
Tag transaction with additional data
Customize structures to match your setup
Sync cost codes directly with your ERP
Capture finance-ready data at the point of spend
Designed for scale.
Ready to plug in.
Audit-ready records
Real-time insights across entities and departments
Track all actions with a time-stamped audit trail
See who did what — and when
Simplify compliance with full traceability
Strengthen security and accountability
Real-time controls
Instantly lock cards, update limits, or restrict categories
Set and adjust card limits instantly
Control usage by merchant, location, or type
Enforce policies before spend happens
Freeze or update cards in real time
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
Francesco Cerlienco, Head of Cards, Citibank
With Cardlay, we aim to simplify budget integration, authorization, payments, and reconciliation into an automated flow, reducing errors and fraud risks. We see Cardlay as a strong partner for this.
Mads Krumhart, CEO, SEB Kort
We see great potential to, together with Cardlay, be able to offer our corporate clients new features connected to corporate payments with the ambition to simplify their work and save them time and money.
SAP Concur
Virtual payments and integrated solutions are the future of commercial payments. As a market leader, SAP Concur partners with Cardlay to drive innovation and accelerate speed to market.
Patricia Scott, Nordic Business Manager, Eurocard
Eurocard’s vision is to accelerate speed to market for services, and because of that we believe Cardlay is a strong partner.
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
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