We provide a full app suite of services based on advanced data aggregation,
AI, UX design and innovative front-end software.
Card
management
Expense
management
Cardlay offers a full card management solution allowing you to develop and manage card programmes. 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.
Leverage our expertise to operate both plastic and virtual card programs, whether for debit or credit.
Card manangement
Mobile application
Issue and tokenize virtual cards in the app, anytime, anywhere
Administrator
Expense manager
Card manager
Employee
Access rights
Web application
Flexible organisation overview: Manage fleet manager and driver permissions

Allow ATM withdrawal
Allow online payment
All countries allowed
Some categories allowed
Card controls
Web application
Extensive and granulated spend controls on cards
Web application
Full overview of active cards
Expense manangement
Cardlay provides a complete expense management solution designed to simplify and optimize how businesses handle employee spending. With our platform, companies can streamline expense reporting, approval workflows, and reconciliation processes in real time.
Leverage our expertise to manage physical and virtual expenses seamlessly. Our solution includes advanced features like customizable expense categories, automated receipt matching, and real-time spending insights.
Designed to meet the needs of both SMEs and large corporations, our platform supports complex business structures while delivering an intuitive user experience.
Take control of your expenses and empower your business with smarter, more efficient processes.

Web application
Intuitive approval flows and swiftly manage expenses
Mobile application
View transactions (in real-time)
Good morning,
Jovan Upshaw
Cardlay Payment Solutions A/S
9:41
Transactions
See all

Mountain view hotel
11:51 Reservation
EUR 215,00
DKK 1.602,57

Meatup
23:11
EUR 52
DKK 387,60

Kronetaxa
18:43
DKK 310,80
DKK 310,80

Parking
10:43
DKK 12.56
DKK 12.56
Out of pocket
See all

Fuel and food
11:58
DKK 50,00

Mileage trips
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Billedskærervej 17
Langebrogade 4
km 164
DD34567
Langebrogade 4
Billedskærervej 17
km 164
DD34567
Need attention
1

Mountain view hotel
11:51 Reservation
EUR 215,00
•••• 1234
Mobile application
Manage expenses on the go
Web application
Multiple export options
Export as Excel
Export in csv
Open API
Direct integration to multiple ERP's
...
Mobile application
Push notifications and messaging

12:57
99

Transaction was declined
15m ago
Your transaction of GBP 150.99 was declined. View transaction to learn more.
wednesday 7 September
12:57
23
15
26
Mountain view hotel
Now
You have spent EUR 120.00 and are ready to enrich the expense
Needs your attention
Now
Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.
Let’s transform your business
Launch your own embedded card and expense management solution with us.