Modules and interfaces

Modules and interfaces

We provide a full app suite of services based on advanced data aggregation,

AI, UX design and innovative front-end software.

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.

Hand holding an iPhone displaying the Cardlay Expense app.
Hand holding an iPhone displaying the Cardlay Expense app.

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.

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

About our solutions

Our platform is based on an all-in-one advanced software system, tech platform and a white-label or branded front-end, ensuring a coherent, secure and real-time user experience.

Customize as you like

Our integrated solutions eliminate back-and-forth discussions and the complex processes of managing cards, expenses, and seamless reconciliation.


Our multi-tenant, cloud-native platform is built on microservices, enabling us to provide a white-label spend management solution that meets both your needs and those of your customers. Our flexibility and customer-centric approach allow us to grow and expand with you—whether you want to launch a full solution with all the bells and whistles or start with a white-label expense management solution only. We've got you covered and can be the partner that helps you win!

Change color:

About our solutions

Our platform is based on an all-in-one advanced software system, tech platform and a white-label or branded front-end, ensuring a coherent, secure and real-time user experience.

Customize as you like

Our integrated solutions eliminate back-and-forth discussions and the complex processes of managing cards, expenses, and seamless reconciliation.


Our multi-tenant, cloud-native platform is built on microservices, enabling us to provide a white-label spend management solution that meets both your needs and those of your customers. Our flexibility and customer-centric approach allow us to grow and expand with you—whether you want to launch a full solution with all the bells and whistles or start with a white-label expense management solution only. We've got you covered and can be the partner that helps you win!

Change color:

About our solutions

Our platform is based on an all-in-one advanced software system, tech platform and a white-label or branded front-end, ensuring a coherent, secure and real-time user experience.

Customize as you like

Our integrated solutions eliminate back-and-forth discussions and the complex processes of managing cards, expenses, and seamless reconciliation.


Our multi-tenant, cloud-native platform is built on microservices, enabling us to provide a white-label spend management solution that meets both your needs and those of your customers. Our flexibility and customer-centric approach allow us to grow and expand with you—whether you want to launch a full solution with all the bells and whistles or start with a white-label expense management solution only. We've got you covered and can be the partner that helps you win!

Change color:

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

Our card management solution includes advanced mobile capabilities such as business hierarchy, card issuing, card controls and custom categories. The user experience has been developed specifically for both SMEs and large corporations, and supports both the structures and processes of such organizations.

Our card management solution includes advanced mobile capabilities such as business hierarchy, card issuing, card controls and custom categories. The user experience has been developed specifically for both SMEs and large corporations, and supports both the structures and processes of such organizations.

Our card management solution includes advanced mobile capabilities such as business hierarchy, card issuing, card controls and custom categories. The user experience has been developed specifically for both SMEs and large corporations, and supports both the structures and processes of such organizations.

Hand holding an iPhone displaying the Cardlay Expense app.
Hand holding an iPhone displaying the Cardlay Expense app.
Hand holding an iPhone displaying the Cardlay Expense app.

Mobile application

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

"Add to Apple Wallet".
"Add to Apple Wallet".
"Add to Apple Wallet".
 Woman sitting at a table using a computer, news paper on the table.
 Woman sitting at a table using a computer, news paper on the table.

Administrator

Expense manager

Card manager

Employee

Access rights

Web application

Flexible organisation overview: Manage fleet manager and driver permissions

Women sitting on a sofa using her computer.

Allow ATM withdrawal

Allow online payment

All countries allowed

Some categories allowed

Card controls

Web application

Extensive and granulated spend controls on cards

Visualization of the Cardlay Expense website showcasing the overview of active cards.
Visualization of the Cardlay Expense website showcasing the overview of active cards.
Visualization of the Cardlay Expense website showcasing the overview of active 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.

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

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

See all

Billedskærervej 17

Langebrogade 4

km 164

DD34567

Langebrogade 4

Billedskærervej 17

km 164

DD34567

Need attention

1

Mountain View Hotel logo in green with white stars and a mountain visualization.

Mountain view hotel

11:51 Reservation

EUR 215,00

•••• 1234

Hand holding an iPhone displaying the Cardlay Expense app managing expenses on the go.
Hand holding an iPhone displaying the Cardlay Expense app managing expenses on the go.
Hand holding an iPhone displaying the Cardlay Expense app managing expenses on the go.

Mobile application

Manage expenses on the go 

Computer on a table displaying the Cardlay Expense website showcasing the multiple export options.
Computer on a table displaying the Cardlay Expense website showcasing the multiple export options.
Computer on a table displaying the Cardlay Expense website showcasing the multiple export options.

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.

Get Cardlay now?

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

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.

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.

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

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

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.

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

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

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.

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

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

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.

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

CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team