Digitalize & Automate

Front to End Solutions for Payment Providers & Banks.

Earnings per Customer are under heavy pressure. Cardlay provides 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 complies with all standards and processes. Cardlay is fully PCI DSS Certified.

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Cardlay improves the bank's 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 need 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 the earning per customer and new market structures open up for new competition for market positioning. In Cardlay we analyse the market continuously to develop the services of tomorrow – all within the same vision of ”100% automation” – for the benefit of resource saving, fraud prevention, leverage, and in real-time services

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Cardlay provides a full "Front to Back" solution, based on the existing bank's infrastructure. To service customers and customer’s employees within 3-6 months.

Digital Relationship

Cardlay's frontend and built in automation and services create 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/unblock payment cards. Issue cards and ensure internal and regulatory compliance doing business in multiple countries. Tracking multiple transactions is simple, fast, and immediate while it saves substantial time, effort, and costs handling expenses.

Enterprise Cloud Platform

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

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Third Party Relationships

Enterprise banks have focused on servicing the administration of the companies and not the Cardholders. Cardlay focuses on the third party 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 a focus on being a business tool, improving, and automating daily processes.

Next level reporting

Admin & Individuals can at any given 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 Cardlay’s 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 centre.

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 centre. Cardlay uses the existing banking infrastructure and security and collaborates with worldwide-recognised global providers of card programs

Cardlay has a formal 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 continuously 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 measures. 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. Firstly, for the optimization of resources, which will be highly valuable for just that, but secondly to release strong (and probably expensive) employees to build value with their work time. The processes can be cut to near zero resource use, by automated approvals based on the company rules for expenses. We call that… Just Better Business

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8 Euro / Per user incl. 1 Card per month
8 Euro / monthly

See our pricelist