Building the future
of spend management.

Solving complexity in the mid market and simplicity for micros and SMEs

Trusted by companies wordwide

Launch your own integrated card and expense management solution with us.

We’re the digital pieces that complete your spend-management puzzle: modular, adaptable, turnkey or integrated smoothly into any card programme.

Modular integration

Turnkey delivery

Instant deployment

White-label corporate facing spend management frontend

Corporate-facing spend management

Our corporate platform integrates seamlessly with your commercial card offering, meeting customer needs with ease. Tailor the solution to your requirements with modular features, delivering speed to market and a competitive edge.

Transaction
enrichment

Network

scheme Data

Issuers/
Processors

KYB / KYB

providers

ERP
integrations

3rd party

integrations

Transaction
enrichment

Network

scheme Data

Issuers/
Processors

KYB / KYB

providers

ERP
integrations

3rd party

integrations

Transaction
enrichment

Network

scheme Data

Issuers/
Processors

KYB / KYB

providers

ERP
integrations

3rd party

integrations

Transaction
enrichment

Network

scheme Data

Issuers/
Processors

KYB / KYB

providers

ERP
integrations

3rd party

integrations

Seamless connectivity, unified experience

We connect underlying systems and partners to deliver a best-in-class user experience. With our expertise, we ensure a fast, flexible go-to-market process tailored to your needs.

Card and expense management

Empower your customers to manage cards and expenses securely through your branded digital interface. Deliver a user-friendly, intuitive experience with real-time insights—building trust and satisfaction from day one.

Accelerate your go-to-market and drive growth

Future proof your existing offering, secure stickiness and increase your revenue.

01.

Hierarchy and user management

Flexible hierarchy and approval flow with a seamless user onboarding

02.

Effortless spending w. virtual cards

03.

Intuitive and mobile first experience

04.

Enhanced reporting with automated reconciliation

Administrator

Expense manager

Card manager

Employee

Access rights

Hierarchy and user management

Flexible hierarchy and approval flow with a seamless user onboarding

Effortless spending w. virtual cards

Intuitive and mobile first experience

Enhanced reporting with automated reconciliation

Administrator

Expense manager

Card manager

Employee

Access rights

+50,000

Companies

52

Markets

+ 80M

Expenses handled

Configurable and flexible
platform to meet all needs

With Cardlay, you can support multiple customer segments with tailored offerings. We prioritize creating solutions that align with the unique needs of each segment.

Strategic partnership

Micro

SMe/B

Medium

Large

Global

Core platform

Strategic partnership

Micro

SMe/B

Medium

Large

Global

Core platform

Core platform servicing your micros to medium/large corporation

Our focus and core capabilities cater for the needs of small businesses and up to medium to large organizations. From the simple solution without major complexities to the configurable and comprehensive needs of the larger customers.

Strategic partnerships servicing your large and global customers

We focus on excelling at what we do best while collaborating with strategic partners to enhance our platform. For large global customers, we work with market-leading experts to seamlessly integrate innovative solutions that address the complexities of servicing global corporations.

What our clients say about us...

Partner with Cardlay to accelerate innovation and speed to market.

Book a free session with our team

Curious about our solutions, or do you want to see it in action? Don’t worry, we got you covered. 

Schedule a meeting with our team and we will show you all the cool stuff we’ve got!

Book a free session with our team

Curious about our solutions, or do you want to see it in action? Don’t worry, we got you covered. 

Schedule a meeting with our team and we will show you all the cool stuff we’ve got!

Book a free session with our team

Curious about our solutions, or do you want to see it in action? Don’t worry, we got you covered. 

Schedule a meeting with our team and we will show you all the cool stuff we’ve got!

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

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