Grow your business with all-in-one cards and spend management

Maximize your offering with integrated white-label spend management

Business customers now expect more from their financial solutions, seeking seamless, digital, and fully integrated experiences that simplify operations and enhance efficiency.

The tech ecosystem is evolving rapidly, with new players emerging to meet these demands and seize opportunities.

By offering integrated commercial card and payment solutions, companies can take a more holistic approach, catering to modern businesses that prioritize speed, transparency, and ease of use. As expectations continue to rise, businesses that embrace innovation and deliver exceptional user experiences will stand out in this competitive landscape.

Maybe we can help you too?

Enhanced user experience

Features that will help your customers work smarter

Mobile application

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

Mobile application

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

Web application

Flexible organisation overview: 
Manage employee roles and permissions

Web application

Flexible organisation overview: 
Manage employee roles and permissions

Web application

Flexible organisation overview: 
Manage employee roles and permissions

Mobile application

Manage expenses on the go

Mobile application

Manage expenses on the go

Mobile application

Manage expenses on the go

Web application

View transactions (in real-time)

Web application

View transactions (in real-time)

Web application

View transactions (in real-time)

Web application

Multiple export options

  • Export as Excel

  • Export in csv

  • Open API

  • Directly integration to multiple ERP’s

  • Export as Excel

  • Export in csv

  • Open API

  • Directly integration to multiple ERP’s

Web application

Full overview of active cards

Web application

Full overview of active cards

Web application

Full overview of active cards

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Intuitive approval flows and swiftly manage expenses

Web application

Extensive and granulated spend controls on cards

Web application

Extensive and granulated spend controls on cards

Web application

Extensive and granulated spend controls on cards

Mobile application

Push notifications and messaging

Mobile application

Push notifications and messaging

Mobile application

Push notifications and messaging

Why should you work with Cardlay?

Launch your own embedded spend management solution with us

Empower your tech business with secure, flexible commercial cards and seamless spend management. Our white-label solution helps you unlock new revenue, streamline expenses, and gain real-time insights.

Mobile UX &

easy reconciliation

Enhanced data

Cloud native

and API driven

Virtual and

physical cards

Card spend
controls

Universal

acceptance

Mobile UX &

easy reconciliation

Enhanced data

Cloud native

and API driven

Virtual and

physical cards

Card spend
controls

Universal

acceptance

Mobile UX &

easy reconciliation

Enhanced data

Cloud native

and API driven

Virtual and

physical cards

Card spend
controls

Universal

acceptance

Embedded spend management under your brand drives revenue, accelerates growth, improves customer experience, and boosts loyalty.

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.

A modular platform for all

With our innovative white-label spend management platform, we empower tech companies to streamline expenses, enhance operational efficiency, and deliver seamless payment experiences across various spend categories.

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.

Unlocking value with Cardlay

Let’s build your success together!

Value for your business

Offer your customers a corporate facing self-service admin and native employee mobile app

Comprehensive control over cards and expenses with features like issuance, spend controls, transaction management, advanced approval flows, budget allocation, digital receipts, and seamless data integration via APIs and files.

Value for customer’s administrators

Complete card portfolio control and advanced expense management

Value for customer’s employee/cardholders

Easy to use mobile app for on-the-go spend management

Value for your business

Offer your customers a corporate facing self-service admin and native employee mobile app

Comprehensive control over cards and expenses with features like issuance, spend controls, transaction management, advanced approval flows, budget allocation, digital receipts, and seamless data integration via APIs and files.

Value for customer’s administrators

Complete card portfolio control and advanced expense management

Value for customer’s employee/cardholders

Easy to use mobile app for on-the-go spend management

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

Frequently asked questions

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!

Which clients benefit from spend management?

Does Cardlay support virtual and physical cards?

Why launch a white-label platform with commercial cards?

Can data from Cardlay be exported?

What is spend management?

How does white labeling work?

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

• 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