Digitalize & Automate

Front to End Solutions for Payment Providers & Banks.

Earnings per Customer are under heavy pressure. Cardlay White Label provides the banks with a solution to build new revenue on existing portfolio secure retention and gain new market share.

How it works (01:12)

100% automation (01:44)

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Integrate

Cardlay White Label integrates on top of the Banks existing infrastructure and complies with all standards and processes. Cardlay is fully PCI DSS Certified.

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Service

Cardlay White Label improves the bank's retention strategy by developing a digital relationship through strong service and applications striving for ultimate automation at all time.

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Grow

Payment & Transactions are developing to be a commodity – to respond to future demands; Banks need to provide additional services for their corporate customers.

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Cardlay White Label Cards & Expense Management App

Cardlay White Label offers an integrated Cards & Expenses Management solution; which provides a real-time reconciliation of transactions with their receipts. Cardlay’s platform is agnostic to the card program your bank issues, whether it be Master Card, Visa, or American Express.

  • Receipts and expenses are loaded from the Cardlay White Label App and administrated, approved, and reimbursed centrally through the Cardlay White Label Admin platform by approvers or by automated processes.

  • Real-time transactions flow into Cardlay White Label, where you can reconcile your expenses instantly. You can check your balance and available funds at any time. Get your PIN and block or unblock the payment card directly in the App.

NEW Instant Transaction Reconciliation (00:51)

Admin platform

Increase efficiency & overview at a lower risk

Finance or branch managers can overview all payments and cost in a real-time dashboard for all employees attached. This gives a unique opportunity to act and react proactively.

Cardlay’s White Label solution integrates Cards and Expense Management in an intelligent and intuitive platform offering a real-time overview of transactions and expenditures. Receive card transactions in the Cardlay White Label Admin platform and get real-time transaction notifications in your app. Receipts for expenses are loaded in the Cardlay White Label App and administrated, approved, and reimbursed centrally.

Admins can easily manage expenses in subsidiaries, branches, departments, and different legal entities for a full overview and real-time control. Manage accounts in six different currencies or in total. Controlling, reporting, and financial overview is immediate and in real-time.

Manage rules for usage, spending management, issuing of new cards, activation, blocking, pin codes, multiple currency accounts, and many more services.

The dashboard gives a clear and real-time overview of active cards, usage of cards, split into categories, currencies used - which can be structured down to day, week, month or year on a company or branch level. From the dashboard detailed information on single transactions, users, cards, accounts etc. can easily be accessed.

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Bank-level security

Cardlay White Label is PCI DSS Level One Certified and offers the highest security level possible. All sensitive company, card information, and cardholder data is protected by encryption and is stored in a PCI DSS Level 1 compliant data centre.

Leaps Ahead

Payment Providers & Banks are under heavy pressure. New regulations lower the earning per customer and new market structures open up for new competition for market positioning. In Cardlay we analyse the market continuously to develop the services of tomorrow – all within the same vision of ”100% automation” – for the benefit of resource saving, fraud prevention, leverage, and in real-time services.

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White-label

Cardlay provides a full "Front to Back" solution, based on the existing bank's infrastructure. To service customers and customer’s employees within 3-6 months.

Digital Relationship

Cardlay's frontend and built-in automation services create a digital relationship to improve earnings and secure retention.

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Real-Time for Enterprises and Employees

Cardlay’s White Label solution integrates Cards and Expense Management in an intelligent and intuitive platform offering real-time overview of transactions and expenditures. Receive card transactions in the Cardlay Admin and get real-time transaction notifications on your app. Receipts for expenses are loaded from the Cardlay App, and administrated, approved and reimbursed centrally.

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Card & Travel Expense Management

Manage, activate, load, and block/unblock payment cards. Issue cards and ensure internal and regulatory compliance doing business in multiple countries. Tracking multiple transactions is simple, fast, and immediate while it saves substantial time, effort, and costs handling expenses.

Enterprise Cloud Platform

Cardlay’s platform shows Real-Time transactions, enrichments, and overview both on the desktop application and on mobile devices.

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Third-Party Relationships

Enterprise banks have focused on servicing the administration of the companies and not the Cardholders. Cardlay focuses on the third-party relationship, creating a strong digital relation between the Bank, the company administration, and the employees.

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UI is key to relationship

Cardlay’s frontend for both desktop and mobile devices has been designed and tested for the "busy businessman" with a focus on being a business tool, improving, and automating daily processes.

Next level reporting

Admin & Individuals can at any given time reach data and create reports on both aggregated and individual data based on differentiated needs.

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Reporting & Exporting Engine

Cardlay’s reporting platform has been developed for both a corporate and individual need. Aggregated Big Data from all employees company expenses, reconciliation, receipts, and other enriched data can be reported, exported, and structured in various reports. Individual reports for employees can be structured both on mobile devices and through the desktop version.

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Automated Reporting

Administration and individuals can set up a structure for automated reporting to be created automatically on a decided timetable. Export of data for ERP or other legacy systems can be set up through Cardlay’s API.

Vision

To enrich every transaction

We want to improve businesses by digitalising commercial banking transactions while continuing to challenge the endless possibilities of business process automation and bringing transactions to life through machine learning and intelligent solutions.

PCI DSS Level 1 Security

Cardlay is PCI DSS Level 1 certified and offers the highest security level possible storing cardholder data. All company, card information, and cardholder data is protected by encryption and is stored in a PCI DSS Level 1 compliant data centre.

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that all companies that accept, process, store, or transmit credit card information maintain a secure environment.


The Payment Card Industry Data Security Standard (PCI DSS) is a proprietary information security standard for organizations that handle branded cards from the major card schemes including MasterCard, Visa, American Express, Discover, and JCB. The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council.

Fraud prevention, detection and monitoring

Cardlay has a lot of built-in security facilities to prevent fraudulent activity. All transactions are monitored 24/7 from a secure data centre. Cardlay uses the existing banking infrastructure and security and collaborates with worldwide-recognised global providers of card programs.

Cardlay has a formal process for security policies, incident response plans, and procedures to prevent, detect, and report any kind of fraudulent activity immediately. Cardlay’s cardholder data environments (CDE) are continuously tested by external ASV partners to prevent vulnerabilities and unwanted penetration.


Access to the cardholder data environment is secure and highly restricted. All Cardlay employees continuously attend internal security and compliance training. Both software platform and app are developed to minimise risks. Cardholders must keep the card, security details, and PIN safe by taking appropriate measures. The PIN will be disabled if an incorrect PIN is entered three times at all ATMs and/or point of sale. Admin and users receive instant notifications on card usage, transactions, and expenses. Users can immediately block, unblock, or cancel cards, and change PIN real-time in case a card is lost, misused, or stolen