White label solution for international commercial banks and card issuers

Enriching all transactions! We tap into the endless possibilities of business process automation and inspire people by design and digital transformation!

Cardlay's solution leverages the integration between Credit Card, Travel Expense Management and EU-VAT reclaim.

White label solution (01:42)

Integrated VAT reclaim

Vattax automatically reclaims EU-VAT by utilizing Artificial Intelligence.

TEM & Enrichment

Real time integration of transactions to ease Travel Expense Management

Card Management

Issue, load and manage all corporate payment cards in real time

Travel Expense Management & Enrichment

Real time overview of all
corporate credit card expenses

60%Time saved with TEM
95%Recurring users
85%Reduced card handling

Through the Cardholder App, employees can add further information.

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

How it works

Data is valuable and with data enrichment in real time, the quality is improved immensely. The Cardlay TEM is unique due to the fact that all data is received instantly, thereby, making it possible to re-consolidate expenses immediately for the benefit of both the administration and employees while also dramatically lowering the risk of errors.

The Cardlay Travel Expense Management service (TEM) offers a real time overview of all corporate credit card expenses. All transactions from company cards and transactions to be reimbursed from employees automatically flow through the TEM service in real time.

Travel Expense Management

Integrated VAT reclaim

Building on the platform from Cardlay,
Vattax transforms the data into real money

Many companies today do not reclaim their potential EU-VAT, as it is difficult and time-consuming – Vattax addresses this!

Vattax leverages the data collected in the Cardlay TEM system to reclaim the potential EU-VAT. Building on the platform from Cardlay, Vattax transforms the data into real money.

Vattax is developed and maintained in cooperation with PwC. Based on Artificial Intelligence and Robot technology Vattax fully automates a very complex and time-consuming manual process into a smooth, fast, digital and automated reclaim of EU-VAT. Returning cash to corporate businesses.

Vattax is a digital all-in-one solution - credit card, travel expense management and VAT refund collected in one app. Most companies can reclaim up to 20% on payments of hotel, restaurant, car rental, taxi, venues and many others.

How it works(01:34) Learn more
“It does not matter what the amount is - the money is returned regardless. Previously, the amount of money was decisive for whether it was worth the time to reclaim. To fully automate this process is the only way to solve the problem”
“This app is different because it eliminates the manual VAT reclaim process. The solution handles between 90 and 95% of all transactions”
Claus Boldt Head of Indirect Taxes PwC to Børsen

White label

Your Cardlay white label solution can be
up and running within 3-6 months

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 - through digitization, strong services and applications - striving for complete automation.

Receipts and expenses are loaded from the Cardlay white label app and administered, approved, and reimbursed centrally through the Cardlay white label Admin platform by approvers or by automated processes.

The Cardlay TEM, Card Management and Vattax is a full front to back digital and integrated white label solution - providing a real time reconsolidate of transactions with their receipts. Cardlay’s platform is agnostic to the card program any bank issues.

White label Security and Fraud prevention
“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
75,000+Hours of Product Development
95%Recurring Users
5,800+Burgers consumed
40+Highly Specialized Emlpoyees
7Languages
28 countriesSupported VAT Reclaim

We want to improve businesses by digitising commercial banking transactions

Cardlay’s white label product provides banks with a solution to build new revenue on existing portfolios, secure retention and gain new market shares. The vision is to enrich all transactions.

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