Product fit that grows with your business
Launch faster, serve broader. Cardlay’s flexible architecture supports all size of businesses, from SMEs to mid-market to the complex needs of enterprise clients - without compromise.
Micro + SME:
Powerful. Simple. Fast.
Cardlay removes the hassle of manual processes with an intuitive platform tailored to small teams. No finance department? No problem.
Instant cards: Virtual cards in seconds—no paperwork
Smart automation: AI-matched receipts and streamlined expenses
Card programs: Issue multiple cards with consistent settings
Mobile-first design: Easy to use, no training required
Save time. Stay in control. Go live in days—not weeks.
Spend policies
Save time and set up policies to help you in your day-to-day task
Auto-approve all expenses under $50
One setting for easy usage
Effortlessly issue and manage multiple cards with consistent settings, tailored limits, and automated controls.
Card controls
Your card can be used here:
Food and beverage
Denmark
Expense ready for your review
Now
Nina Brey just submitted an expense that needs your review.
Card request ready for your review
Now
Nina Brey just submitted a card request that needs your review.
Mobile first UX
Intuitive interface designed for speed and simplicity.
No training needed.
AI powered receipt matching
Spencer
Hey! Nice receipt, but something’s is off...
The transaction details don’t match what’s on the receipt.
Expense data
Hotel and other accommodation
Category
Add comment
Mountain view hotel
USD 150.00
Full overview of company spend
Enjoy a full overview of all company spend with built in control features, reducing risks significantly.
Office
Marketing & Advertising
Travel
Food and beverage
.......
Sec
Cost code tagging
Track spend by project, location, or client. Data-rich and tailored to your structure.
Please select client
Then select project
and last location
ERP-ready data
Push clean, verified spend data directly into your finance systems.
Meatup
************************
************************
Total
$1047.50
************************
---- ---- ---- 2385
#723859
Credit card
Approval code
Receipt No: 754/006/00003 09.17.24 09:26
************************
Description
Carpet - Beige 500 sq ft
$1000.00
$47.50
Sales Tax
Price
************************
THANK YOU!
Auto-approved by expense policy
View
Meatup
$1047.50
$1047.50
Nina Brey
Handle growing teams and more complex approval needs.
Mid market:
Built for scale. Trusted for control.
As operations grow, so does complexity. Cardlay helps mid-sized companies stay efficient and compliant—with centralized control and flexible tools that scale.
Approval workflows: Custom permissions by team, role, or entity
Cost code tagging: Track spend by project, client, or location
ERP-ready data: Seamless integration with your finance systems
Real-time controls: Adjust card settings instantly, company-wide
Card Programs: Standardized issuance across departments
Scale with confidence. Control with precision.
Effortless team & permission management
Create teams, set rules, and control access — all in one place. Cardlay makes it easy to assign cost codes, manage permissions, and keep data secure without the admin headache.
Review setup
Full summary, hit edit if you want to change it.
Edit
These reviewers
Randell Farr
Kathrine Richart
Can review
Card requests
Expenses
for team(s):
Architects South
Real-time controls
Freezing your card will temporarily prevent you from using it. Come back at any time to unfreeze it and start using it again.
Freeze card
Notify reviewer(s)
Inform reviewers about required action
Add a comment
Hi, please remember to review this expense
Cancel
Notify reviewer(s)
Enterprise-grade control. Without the complexity
Cardlay delivers powerful spend management for enterprise subsidiaries and upper mid-market firms—balancing control, compliance, and integration with ease.
Custom integrations: Connect to SAP, NetSuite, Workday & more
Multi-entity support: Centralized oversight across units and countries
Advanced cost codes: Align with corporate accounting structures
Audit-ready records: Full digital trail of spend, approvals, and receipts
Real-time controls: Instantly lock cards, update limits, or restrict categories
Built for governance. Designed for scale. Ready to plug in.
Multi account
Transparency at scale - real-time insights across entities and departments.
Accounts
Create account
Total available
$600,000.000
Balance
$600,000.000
Pending
$00.00
Name
Search
Funding Account
Movie production 1
Description
Search
Main funding account
All development, storyboarding and budgeting
Currency
Search
USD
USD
Balance
Search
USD
300,000.000
USD
00.00
Pending
Search
USD
00.00
USD
00.00
Available
Search
USD
300,000.000
USD
00.00
Miguel Fontes
Real estate corp
Account successfully created
The account is active and you can transfer funds and link cards to it.
