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

Cardlay is a world leading fintech partner of commercial card services and payment infrastructure. We supply a connected global payment and accounting eco-system by providing a full infrastructure and digital services out of the box.

Get a turnkey platform, digital services and a fast-scalable go-to-market program suitable for financial services providers, banks, card issuers, companies and institutions:

Key values
  • High card adoption and usage
  • New revenue streams
  • Operations and cost savings
  • Market differentiation

Cloud infrastructure solution for cards and payment

White label front-end and product suite of digital services

Go-to-market activation academy and support

Cardlays platform is PCI-DSS certified and hosted in a dedicated 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 and Portal

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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Payment Solution

Cloud based payment infrastructure supporting a full issuer and custodian bank setup including accounting, pre-paid, debit, credit, virtual and physical cards with full service, compliance and support.

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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