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 upPayment 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.

Marketing Activation Manager Commercial Product Manager Controller (Copenhagen)
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.
Michael Fontan
VP of Technology
Michaël Fontan is VP technology and responsible for building the secure, scalable technology platform and organisation to underpin Cardlay’s expansion. He is a visionary IT leader with 20+ years of experience in building reliable software systems, adopting cloud technologies and transitioning to agile methodologies in small, medium and large organisations. Prior to Cardlay Group, Michaël held IT leadership positions at the LEGO Group and Autorola Group.
Simon Birch Skou
VP of Commercial
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.
Vladimir Pajkovski
Vladimir Pajkovski is both product owner and responsible for building Cardlay’s partner network and integrations. Vladimir contributes with experience from the largest Nordic banks as a senior executive
Tobias Holger Hansen
Tobias Holger Hansen is Chief Legal Officer and responsible for managing legal risks within the Cardlay group. Tobias has previously worked as a banking and finance lawyer at a tier one law firm in Copenhagen and as Vice President for Legal & Compliance in a Danish payment institution.
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 COO.
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.


Thorleif Krarup


Former Group CEO Nordea

Jørgen Christian Juul

Board Member

Founder of Cardlay –
Former founder of Wallmob

Lars Andersen

Board Member

General Partner Seed Capital

Johan Wolf

Board Member

Senior Investment Manager –
SEB Venture Capital