100% Automation

Industry leaders, financial experts, and FinTech gurus back our vision of 100% automation. Cardlay is a single software platform to issue, load, and manage cards and expenses globally for complete visibility and optimization in all processes.

Cardlay Cards & Expense Management App

Optimize administration & expense management

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

  • Real-time transactions flow into Cardlay, 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.

Instant Transaction Reconciliation

Cardlay offers an integrated Cards & Expenses Management solution; which provides real-time reconciliation of transactions with their receipts. Your Cardlay Mastercard® is accepted at millions of merchants worldwide, wherever you see the Mastercard Acceptance Mark.

See the benefits

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. The gives a unique opportunity to act and react proactively.

  • admin-Expense Management expense-management Created with Sketch. Expense Management
    Cardlay’s 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 platform and get real-time transaction notifications in your app. Receipts for expenses are loaded in the Cardlay App and administrated, approved, and reimbursed centrally.
  • admin-Account Management accounts-management Created with Sketch. Account Management
    Cardlay 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.
  • admin-Card Management card-management Created with Sketch. Card Management
    Manage, activate, load, and even block/unblock prepaid Mastercard cards. Issue cards in EUR, USD, GBP, DKK, SEK, and NOK matching where the cards will be used, and ensure internal and regulatory compliance while doing business in multiple countries. Tracking multiple transactions is simple, fast, and immediate, and saves substantial time, effort, and costs handling expenses.
  • admin-Dashboard Group 15 Created with Sketch. Dashboard
    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.


Cardlay’s Cards & Expense Management platform and app offers the highest level of security and has a lot of build in security facilities to prevent fraudulent activity.

Fraud monitoring

Cardlay has a lot of build in security facilities to prevent fraudulent activity. All transactions are monitored 24/7 from a secure data centre and covered by global providers of card programs and banks infrastructure and security.

Mastercard partner

Cardlay physical & virtual cards are issued by Transact Payments Limited pursuant to license by Mastercard International Incorporated and accepted by millions of merchants worldwide. Mastercard and the Mastercard Acceptance Mark are registered trademarks of Mastercard International Incorporated.

Bank-level security

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

Just Better Business

Every routine job in a company that can be optimized should be so. Firstly, for the optimization of resources, which will be highly valuable for just that, but secondly to release strong (and probably expensive) employees to build value with their work time. The processes can be cut to near zero resource use, by automated approvals based on the company rules for expenses. We call that… Just Better Business

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8 Euro / Per user incl. 1 Card per month
8 Euro / monthly

See our pricelist