We want to improve businesses by digitising commercial banking transactions

The Cardlay solution (02:08)

We want to improve businesses by digitising commercial banking transactions

Cardlay A/S is a Danish FinTech company founded with a clear purpose: To enrich every transaction. We want to improve businesses by digitising 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.

From day one, Cardlay has provided a digital solution with a unique user experience for a great improvement of company operations. Cardlay’s forefront software is aimed at helping companies automate business processes, by leveraging the integration between credit cards, Travel Expense Management and EU-VAT reclaim.

Cardlay´s Vision and Value Proposition

Cardlay is a strategic partner to banks, card issuers and processors in the digital transformation process and enables white label partners to strengthen digital relations with customers and stay relevant in a new era of digital banking.

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.

Cardlay is conceived as a global player from the very beginning and ambitions are sky-high. The long-term strategy is to take on major international players in the field of expense management by rethinking and automating corporate business processes.

Read more about us (PDF)
Best Scale up Payment Solution of the Year

Awards and recognition

Cardlay has already won a number of awards, recognizing the unique and super user-friendly solution, among those the ones mentioned below.

Fintech Scaleup Award 2018 Copenhagen Fintech
Best Payment Solution Wealth & Finance International
Best B2B Payments Product Fintech Breakthrough Awards
“Denmark Fintech Startup Cardlay Secured $4M During Funding Round” Crowdfundinsider
“Cardlay Raises $4 Million to Usher Traditional banks into the Digital Age” Businesswire
“Danish card management platform Cardlay raises $4 million” Tech.eu
“Thorleif Krarup skyder millioner i dansk fintechselskab” Finanswatch

We love challenge - and hire the best.

At Cardlay we disrupt traditional thinking - while having fun. We continue to search for new ideas and better experiences in everything we do. And we do it together.

We are looking exactly for YOU if you have that high level toolbox and the Cardlay-factor mindset. See you soon.

Senior Frontend Engineer Senior Backend/Full-Stack developer Governance & Compliance Officer
Cardlay developed a major feature in 2 weeks, a feat which we would never have been able to accomplish. It’s part of their culture
Patricia Scott Nordic Business Manager at Eurocard,
in Copenhagen Fintech Magazine 2018


Welcome to Cardlay.
The new transitional window

Jørgen Christian Juul
CEO & 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.
Mikael Elling
Prior to joining Cardlay, Mikael held CFO and VP finance positions for several large MNCs and PE owned corporates. He has vast international experience and recently lived and worked 6 years as CFO in Singapore, the financial hub of South East Asia. As CFO, Mikael has successfully executed a number of M&A transactions, exits and due diligences. He has issued and listed large financial instruments and has strong experience with international capital markets and in managing investor relations.
Jens Sørensen
As CTO Jens is responsible for Cardlays product development. Prior to Joining Cardlay Jens have held positions as CTO for cloud accounting provider e-conomic for 6 years and CEO of Reviso for 3 years providing cloud accounting to Italy, Spain US and Germany. Jens has extensive experience from web and SaaS companies in both Europe and US where he spent 8 years in enterprise software companies in the SF Bay Area.
Simon Birch Skou
Simon is commercially responsible at Cardlay. He has +12 years of experience of experience within digital sales, marketing, product and business development. Simon is an experienced executive from positions in Ecommerce, webportal and Telco companies, recently Direction of Oister Mobile and as CEO of the webportal Ejendomstorvet. Expertise within digital business models and partnerships.
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.
Jannick Asmus
Head of Design
Former AD & Head of Design at Wallmob. Jannick has been with Cardlay since the very beginning and formed the company's unique and strong design profile. He brings solid product- & user-design experience from significant digital players.


Torben Frigaard


Chairman Umbraco & Former Chairman MIR

Javier Perez

Vice Chairman

Founder & Managing Partner, Global PayTech Ventures Former President of Mastercard Europe

Thorleif Krarup

Board Member

Former Group CEO Nordea

Jørgen Christian Juul

Board Member

Founder of Cardlay –
Former founder of Wallmob

Johan Wolf

Board Member

Senior Investment Manager –
SEB Venture Capital

Nicolai Fink Gundersen

Board Member

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