About Cardlay

About us

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.

We are a strategic partner to banks, card issuers, processors, and other financial institutions in the digital transformation process. Our mission is to enable our partners to supply end-to-end spend management to their clients by creating a global spend management network that connects our technology to some of the biggest financial institutions and technology corporations in the world.

We understand that the world needs digital solutions, and we want to add value to the end-user. Not only are we securing the digital connectivity to serve user's needs, but we are also ensuring a short time to market and a full go-to-market support solution.

Our software is aimed at helping companies automate business processes, by leveraging the integration between payment cards (virtual and plastic), card management, travel expense management and automated EU VAT reclaim. 

At Cardlay, we continue to challenge the endless possibilities of business process automation and bringing transactions to life through machine learning and intelligent solutions.

50 employees

9 nationalities

Founded in 2016

2 offices

4 development teams

Change the world. Strong partnerships.

The Cardlay solution is build and taken to market together with leading global players in the value chain. We connect and integrate to leading card schemes, processors, acquirers, card issuers and banks.

Cardlay brings a full tech infrastructure from leading partners together with our innovative technology to enable a real-time digital processing of commercial cards and payments.

Awards and recognition

Cardlay has already won a number of awards, recognizing our unique and user-friendly solution. We are proud to have been featured as:

Fintech Scaleup Award 2018

Copenhagen Fintech

Fintech Scaleup Award 2018

Copenhagen Fintech

Fintech Scaleup Award 2018

Copenhagen Fintech

The Top 25 FinTech Product Executives of 2021

Jørgen Christian Juul, Cardlay CEO


Jørgen Christian Juul

CEO & Co-Founder

Jørgen Christian Juul is the founder of Cardlay and has extensive experience from holding executive positions in listed companies and other corporate organisations, and at the same time being an entrepreneur. In his most recent position, he served as Executive Chairman at Wallmob, which he founded, operated, and sold to the Nordic IT Conglomerate Visma.

Simon Birch Skou


Simon is commercially responsible at Cardlay. He has 12+ years of experience within digital sales, marketing, product and business development. Simon is an experienced executive from positions in Ecommerce, web portal and Telco companies, recently Direction of Oister Mobile and as CEO of the web portal Ejendomstorvet. Expertise within digital business models and partnerships.

Mikkel Godt Gregersen


As CFO at Cardlay, Mikkel is responsible for overseeing the company's financial position in the short and long term while aligning business and financial strategies. With 20+ years of experience across start-ups, scale-ups, C25 companies, and academia, he brings a broad range of expertise to the role.

Michel Thorsen


Michel Thorsen is an experienced Business and Project director with more than 20 years experience with IT product definition, development, service delivery, and support. He is currently SVP.

Kasper Guul Laursen

SVP Partner Sales

Kasper is responsible for sales and strategic partnerships at Cardlay and has 7+ years of experience within sales, business development, partnerships, internationalization, and scaling of B2B technology companies. From different executive roles in companies within B2B SaaS/PaaS, robotics, and consultancy/investment, Kasper brings a broad range of commercial expertise to the role.

Charlotte Juel Toftbo

VP Implementation

Charlotte is responsible for the strategic development of partnerships and the SAFe agile delivery framework at Cardlay. She has 7+ years of management experience within the financial industry with expertise in B2B product, risk and change management.

Johanne Vidkjær

General Counsel

As GC Johanne is responsible for all legal and compliance matters including contracting with partners, ongoing corporate governance for the Cardlay companies and maintaining a fit-for-purpose policy framework. Johanne has +15 years experience as a corporate IT attorney and in-house counsel in the financial industry.

Board of Directors

Torben Frigaard


Chairman Umbraco & Former Chairman MIR

Thorleif Krarup

Board member

Former Group CEO Nordea

Jørgen Christian Juul

Board Member

Founder & CEO of Cardlay – Former founder of Wallmob

Nicolai Fink Gundersen

Board Member

Venture Investor, Gundersen FO / Former Auditor & Consultant KPMG and EY

Inquiry form

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Want to get full control and visibility into company spending, avoid time-consuming paperwork and make life easier for all your employees? Book a demo now

  • Control company spending upfront

  • No subscription or set-up fees

  • PCI-DSS compliant