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Global payment infrastructure, white label front-end and commercial payment services

We enable and serve companies, institutions, banks and card issuers to bring to market innovative and differentiating digital front-end solutions and payment services on a global infrastructure supported by a very strong, immediate business case.

We enable higher card adoption, new net revenues, cost-savings and market differentiation by leveraging our fast, scalable business model:

Secure and compatible API platform to enrich and operationalize cards and transaction data.

White label front-end with a modular full product suite of cards and payment services.

Fast and efficient implementation and go-to-market partner activation academy and support.

Our interoperable platform is PCI-DSS certified and hosted on a closed AWS environment with the highest level of security certification.

A world of card and payment services

Fast, modular and scalable product suite of services tailored to your market needs.

Corporate Client App

Intuitive mobile first experience incorporates frictionless customer onboarding, user friendly transaction enrichment, expense and mileage reporting, digital receipts, card management and notifications and much more - all in real-time.

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Card Management

Advanced card management solution for corporate clients having support for multiple card types, including debit, credit, virtual and prepaid cards. Full access and spend controls, instant issuing, loading and blocking from a user friendly and integrated mobile experience or desktop interface.

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Expense Management

Plug-and-play expense management solution with a fully automated and real-time expense handling process supported by multiple out-of-the-box ERP integrations. Control, report and reconcile company expenses across multiple companies and business hierarchies.

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Automatic VAT Reclaim

Automated EU VAT reclaim solution allowing corporates to reclaim EU VAT on travel expenses in an efficient self-service portal fully integrated with the Corporate Client App and Expense Management services. Offers a fully digital reclaim process for companies to maximize the potential reclaim value.

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Who has been talking about us

Payment infrastructure and API platform to connect the value chain

Our unique platform integrates payment infrastructure with front-end services and APIs. We interlink and secure the systems infrastructure, data enrichment and the front end.

Infrastructure Capabilities

Deep API integrations to global processors and acquirers enables us to develop service capabilities including virtual accounts and cards, controls and spending, notifications and much more - in real-time.

Front-end services

Intuitive and integrated mobile and desktop capabilities to leverage payment transactions and card data into a service. One turn-key solution for fintechs, banks and card issuers to provide controls and enhance usage and benefits for the corporates and their employees.

Advanced API compatibility

Advanced enrichment and data transfer solutions delivered to multiple EMS and ERPs through secure PCI-DSS certified APIs enables us to connect and impact the value chain.

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Market activation academy

There is more than just a platform and services. We are committed to delivering true value, faster to our partners. Assisting our partners in implementation, customer onboarding and go-to-market of the services with an extensive market activation academy and toolboxes tailored to your business setup.

This enables quicker and more efficient implementation, scalability and operations of the services to secure higher market penetration and client satisfaction.

Partner academy Support tool-box Go-to-market tool-box

We deliver strong value and direct business case impact

New revenue streams

  • Attractive revenue share model of services fees
  • Vattax share of EU VAT reclaims

Core business impact

  • Increased adoption of virtual and conventional cards
  • Increased spending volume
  • Reduced servicing cost from digitalization

Strategic value

  • Market differentiation
  • Fast and scalable tech solutions and go-to-market
  • Access to innovative and specialist talent pool

Indirect gains

  • Attract more clients in the market
  • Secure stickiness and retention of current clients
  • Increase customer and cardholder satisfaction
  • Optimize corporate processes

We provide a full front to back solution, based on the existing bank's infrastructure.

Our White Label solution improves the bank's retention strategy by developing the digital relationship with the customer

Eurocard’s vision is to accelerate speed to market for services, and because of that we believe that Cardlay is a strong partner
Patricia Scott Nordic Business Manager at Eurocard
We see great potential to, together with Cardlay, be able to offer our corporate customers new features connected to corporate payments with the ambition to simplify their work and save them time and money
Mads Krumhardt CEO at SEB Kort

Partnerships with market leading players