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:
High card adoption and usage
New revenue streams
Operations and cost savings
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.
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.
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.
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.
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.
The best integrated digital solution from instant card issuing to expense management and EU-Vat reclaim
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.
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.
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.
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.
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
Fast and scalable tech solutions and go-to-market
Access to innovative and specialist talent pool
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
Cardlay provides a fully digital white label solution creating a unique user experience +
increasing Customer LTV. It’s focused on Corporate banks & Card Issuers - for them to help their customers
automate company operations, improve employee routines and remove hassle. Based on AI, PA and Robot technology
Cardlay’s forefront software + App enriches transaction data by leveraging the integration between Credit
cards, Travel Expense Management and EU-VAT reclaim. More info.
Billedskaerervej 17 • DK-5230 Odense M • CVR. 37447285