We inspire people by design and digital transformation

Our white label solution for banks aims at enriching all transactions. Based on artificial intelligence, predictive analysis, robot technology and Unique Design Cardlay’s forefront software leverages the integration between Credit card transactions, Travel Expense Management and EU-VAT reclaim.


Cardlay's frontend and built-in automation solutions enables banks to leverage and utilize digital customer relationship, improve earnings and secure retention – based on unique design and user experience.

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We provide a full Front to Back solution - based on four separate elements and the existing Banking infrastructure. Learn more about each Cardlay element below.

Travel Expense Management

The Travel Expense Management service (TEM) offers a real time overview of all corporate expenses to be paid by the company. All transactions from company cards and transactions to be reimbursed from employees automatically flow through the TEM service in real time.

  • Spending rules for employees e.g. categories or MCC codes
  • Easy export or integration for ERP systems such as e-conomic

Through the Cardholder App, employees can add further information about the transaction such as the receipt or invoice, comments, category, VAT region and other relevant information for the internal and external accounting for the company.

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Reclaim EU-VAT with Vattax

When travelling to other EU countries, travel expenses like hotel, restaurant, car rental, taxi, venues etc. include local VAT. The VAT can be reclaimed, but it is difficult and time-consuming. Vattax solves this problem and seamlessly integrates with the Cardholder App.

  • Reclaim up to 20% of your travel expenses with Vattax

PwC delivers all the VAT knowledge and keeps the system updated with the constantly changing VAT rules in all EU countries.

Because the transaction is received in the Cardholder App in real time, the Cardholder can enrich the transaction at the same time as uploading the receipt.

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Card Management in real time

The Card Management platform is a user-friendly interface to issue, load and manage all corporate cards in real time. It offers functionalities known from the bank’s frontend office, but in a real time environment, managed by the company and integrated with other Corporate Services. Because of its intuitive design offering great control and overview.

  • Overview of all payment cards and cardholder information
  • Overview of all transactions in real time
  • Admin limitations for card usage e.g. specific MCC codes
  • Built-in automation for approval of transactions
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Enrichment of transaction data

The core value of the Cardlay Solution Platform is, that it offers a high level of data enrichment of real time transactions. As well it delivers overview for the benefit of the CFO and financial team and enriched data export for legacy systems.

Know your customer (KYC)

KYC is a well-known, time-consuming, process in most banks. Cardlay has modernised and automated the process of gathering and dashboarding customer information.

The Cardlay KYC tool offers an online platform, that helps customers easily identify and deliver needed information.

  • No more manual data filling by banks or Corporate Clients
  • Avoid data errors – Stay compliant
  • Minimize fraud
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