Digitalize & Automate

Front- to End Solutions for Payment Providers & Banks.

Earnings per Customer are under heavy pressure, Cardlay provide the banks with a white-label solution to build new revenue on existing portfolio, secure retention and gain new market share.

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Cardlay integrates on top of the Banks existing infrastructure, and comply to all standards and processes. Cardlay is fully PCI DSS Certified.

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Cardlay improves the banks retention strategy by developing a digital relationship through strong service and applications striving for ultimate automation at all time.

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Payment & Transactions are developing to be a commodity – to respond to future demands, Banks needs to provide additional services for their corporate customers.

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Bank-level security

Cardlay is PCI DSS Level One Certified, and offers the highest security level possible. All sensitive company, card information and cardholder data is protected by encryption and is stored in a PCI DSS Level 1 compliant data center.

Leaps Ahead

Payment Providers & Banks are under heavy pressure. New regulations lower earning per customer, new market structures open up for new competition a race for market positioning is ramping up. In Cardlay we analyse the market continuously to develop the services of tomorrow – all within the same vision ”100% automation” – for the benefit of resource saving, fraud prevention, leverage and real-time services.

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Cardlay provide a full "Front to Back" solution, based on the existing banks infrastructure. To service customers and customers employees from within 3-6 months.

Digital Relationship

Cardlays frontend and built in automation and services creates a digital relationship to improve earnings and secure retention.

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Real-Time for Enterprises and Employees

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 and get real-time transaction notifications on your app. Receipts for expenses are loaded from the Cardlay App, and administrated, approved and reimbursed centrally.

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Card & Travel Expense Management

Manage, activate, load and block / un-block payment cards. Issue cards and ensure internal and regulatory compliance doing business in multiple countries. Tracking multiple transactions is simple, fast and immediate, and saves substantial time, effort and costs handling expenses.

Enterprise Cloud Platform

Cardlays platform shows in Real-Time transactions, enrichments and overview both on the desktop application and on mobile devices.

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3 Party Relationship

Enterprise banks have focused on servicing the administration of the companies and not the Cardholders. Cardlay focus on the 3party relationship, creating a strong digital relation between the Bank, the company administration and the employees.

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UI is key to relationship

Cardlays frontend for both desktop and mobile devices, has been designed and tested for the "busy businessman" with focus to be a business tool, improving and automating daily processes.

Next level reporting

Admin & Individuals can on any giving time reach data and create reports on both aggregated and individual data, based on differentiated needs.

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Reporting & Exporting Engine

Cardlays reporting platform has been developed for both a corporate and individual need. Aggregated Big Data from all employees company expenses, reconciliation, receipts and other enriched data can be reported, exported and structured in various reports. Individual reports for employees can be structured both on mobile devices and through the desktop version.

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Automated Reporting

Administration and individuals can setup a structure for automated reporting, to be created automatically on a decided timetable. Export of data for ERP or other legacy systems, can be setup through Cardlays API.


100% Automation

Our vision is backed by industry leaders, financial experts and fintech gurus. Cardlay is a single software platform to issue, load and manage cards and expenses globally for complete visibility, and optimization in all processes.

PCI DSS Level 1 Security

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

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that all companies that accept, process, store or transmit credit card information maintain a secure environment.

The Payment Card Industry Data Security Standard (PCI DSS) is a proprietary information security standard for organizations that handle branded cards from the major card schemes including MasterCard, Visa, American Express, Discover, and JCB. The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council.

Fraud prevention, detection and monitoring

Cardlay has a lot of build in security facilities to prevent fraudulent activity. All transactions are monitored 24/7 from a secure data center. Cardlay uses the existing banking infrastructure and security, and collaborate with worldwide recognised global providers of card programs.

Cardlay has a formel process for security policies, incident response plans and procedures to prevent, detect and report any kind of fraudulent activity immediately. Cardlays cardholder data environments (CDE) are continuous tested by external ASV partners to prevent vulnerabilities and unwanted penetration.

Access to the cardholder data environment is secure and highly restricted. All Cardlay employees continuously attend internal security and compliance training.

Both software platform and app are developed to minimise risks. Cardholders must keep the card, security details and PIN safe by taking appropriate measure. The PIN will be disabled if an incorrect PIN is entered three times at all ATMs and/or point of sale. Admin and users receive instant notifications on card usage, transactions and expenses. Users can immediately block, unblock or cancel cards, and change PIN real time in case a card is lost, misused or stolen.

Just Better Business

Every routine job in a company that can be optimized, should be so. First for the optimization of resources which will be highly valuable for just that, but second to release strong (and probably expensive) employees to build value with their worktime. The processes can be cut to near 0 resource use, by automated approvals based on the company rules for expenses. We call that… Just Better Business