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*Got a Mastercard Corporate or an AirPlus card? Then you’re good to go!

How Cardlay Expense helps your business

Manage your company’s expenses in real-time with our award-winning mobile and web application.

Real-time notifications

Receive real-time notifications and notify employees directly in the web application.

Locked iPhone screen with blue-green background.
Incoming notification from Cardlay Expense.
Incoming notification from Cardlay Expense.
iPhone display showing Cardlay Expense app with the text ‘Create out-of-pocket expense’.
iPhone display showing Cardlay Expense app with the text ‘Create out-of-pocket expense’.
iPhone display showing Cardlay Expense app with the text ‘Create out-of-pocket expense’.

ERP integrations

ERP integrations

Streamline your workflow and accelerate account reconciliation with ERP integrations.

Streamline your workflow and accelerate account reconciliation with ERP integrations.

Streamline your workflow and accelerate account reconciliation with ERP integrations.

Seamless expense management

Simplify expenses and empower your team with Cardlay Expense

01

Real-time tracking

Finance teams get instant visibility to stay in control and act faster

02

Mobile-first experience

Cardlay Expense lets employees capture receipts, track mileage, and manage spend on the go

03

ERP & Accounting integrations

Skip the spreadsheets. Cardlay Expense integrates directly into your ERP and accounting systems

04

Ready to scale

Whether you’re managing a growing team or a large enterprise, Cardlay Expense adapts to your needs

Seamless expense management

Simplify expenses and empower your team with Cardlay Expense

01

Real-time tracking

Finance teams get instant visibility to stay in control and act faster

02

Mobile-first experience

Cardlay Expense lets employees capture receipts, track mileage, and manage spend on the go

03

ERP & Accounting integrations

Skip the spreadsheets. Cardlay Expense integrates directly into your ERP and accounting systems

04

Ready to scale

Whether you’re managing a growing team or a large enterprise, Cardlay Expense adapts to your needs

Seamless expense management

Simplify expenses and empower your team with Cardlay Expense

01

Real-time tracking

Finance teams get instant visibility to stay in control and act faster

02

Mobile-first experience

Cardlay Expense lets employees capture receipts, track mileage, and manage spend on the go

03

ERP & Accounting integrations

Skip the spreadsheets. Cardlay Expense integrates directly into your ERP and accounting systems

04

Ready to scale

Whether you’re managing a growing team or a large enterprise, Cardlay Expense adapts to your needs

Seamless expense management

Simplify expenses and empower your team with Cardlay Expense

01

Sign up

Fill out your information

02

Mobile-first experience

Cardlay Expense lets employees capture receipts, track mileage, and manage spend on the go

03

ERP & Accounting integrations

Skip the spreadsheets. Cardlay Expense integrates directly into your ERP and accounting systems

04

Ready to scale

Effortlessly keep track of your company’s expenses

Don’t just take our word for it

Here is what our customers have to say about us!

“Before Cardlay it was very messy and receipts would get lost, so our first annual closing of the books was a quite painful story where we had to call restaurants and ask them to resend months old receipts…”

Tab Technology

DFDS trucks at sunrise.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.

“Everything in real time - This saves time and effort in every unit of our organization that can be utilized building stronger relation to our customers and partners.”

Håkon Høyem, CFO Engebretsen

Engebretsen downdraft extractor built into a kitchen countertop
Kitchen countertop with food being prepared, downdraft extractor integrated into the surface.
Engebretsen logo with black text on a white background.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.
DFDS trucks at sunrise.

“Employees can easily manage their expenses on the go and the web portal provides a great overview of all expenses for our accounting department, saving the company both time and money.”

DFDS

“Cardlay Expense makes our day to day expense handling much easier. With real-time transaction data, administrators get a great overview and can keep better control of company spending.”

Philip Adolphsen, Senior Finance Associate

The inside of a Joe & The Juice restaurant, dimmed lightning.
Server at Joe & The Juice handing a juice to a customer.

Joe & the Juice

Now

You have spent DKK 150 and are ready to enrich the expense

Pink Joe & The Juice logo.

Don’t just take our word for it

Here is what our customers have to say about us!

“Before Cardlay it was very messy and receipts would get lost, so our first annual closing of the books was a quite painful story where we had to call restaurants and ask them to resend months old receipts…”

Tab Technology

DFDS trucks at sunrise.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.

“Everything in real time - This saves time and effort in every unit of our organization that can be utilized building stronger relation to our customers and partners.”

Håkon Høyem, CFO Engebretsen

Engebretsen downdraft extractor built into a kitchen countertop
Kitchen countertop with food being prepared, downdraft extractor integrated into the surface.
Engebretsen logo with black text on a white background.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.
DFDS trucks at sunrise.

“Employees can easily manage their expenses on the go and the web portal provides a great overview of all expenses for our accounting department, saving the company both time and money.”

DFDS

“Cardlay Expense makes our day to day expense handling much easier. With real-time transaction data, administrators get a great overview and can keep better control of company spending.”

Philip Adolphsen, Senior Finance Associate

The inside of a Joe & The Juice restaurant, dimmed lightning.
Server at Joe & The Juice handing a juice to a customer.

Joe & the Juice

Now

You have spent DKK 150 and are ready to enrich the expense

Pink Joe & The Juice logo.

Don’t just take our word for it

Here is what our customers have to say about us!

“Before Cardlay it was very messy and receipts would get lost, so our first annual closing of the books was a quite painful story where we had to call restaurants and ask them to resend months old receipts…”

Tab Technology

DFDS trucks at sunrise.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.

“Everything in real time - This saves time and effort in every unit of our organization that can be utilized building stronger relation to our customers and partners.”

Håkon Høyem, CFO Engebretsen

Engebretsen downdraft extractor built into a kitchen countertop
Kitchen countertop with food being prepared, downdraft extractor integrated into the surface.
Engebretsen logo with black text on a white background.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.
DFDS trucks at sunrise.

“Employees can easily manage their expenses on the go and the web portal provides a great overview of all expenses for our accounting department, saving the company both time and money.”

DFDS

“Cardlay Expense makes our day to day expense handling much easier. With real-time transaction data, administrators get a great overview and can keep better control of company spending.”

Philip Adolphsen, Senior Finance Associate

The inside of a Joe & The Juice restaurant, dimmed lightning.
Server at Joe & The Juice handing a juice to a customer.

Joe & the Juice

Now

You have spent DKK 150 and are ready to enrich the expense

Pink Joe & The Juice logo.

Don’t just take our word for it

Here is what our customers have to say about us!

“Before Cardlay it was very messy and receipts would get lost, so our first annual closing of the books was a quite painful story where we had to call restaurants and ask them to resend months old receipts…”

Tab Technology

DFDS trucks at sunrise.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.

“Everything in real time - This saves time and effort in every unit of our organization that can be utilized building stronger relation to our customers and partners.”

Håkon Høyem, CFO Engebretsen

Engebretsen downdraft extractor built into a kitchen countertop
Kitchen countertop with food being prepared, downdraft extractor integrated into the surface.
Engebretsen logo with black text on a white background.
White and blue DFDS ferry on open waters.
DFDS logo with blue text and a stylized crown symbol on a white background.
DFDS trucks at sunrise.

“Employees can easily manage their expenses on the go and the web portal provides a great overview of all expenses for our accounting department, saving the company both time and money.”

DFDS

“Cardlay Expense makes our day to day expense handling much easier. With real-time transaction data, administrators get a great overview and can keep better control of company spending.”

Philip Adolphsen, Senior Finance Associate

The inside of a Joe & The Juice restaurant, dimmed lightning.
Server at Joe & The Juice handing a juice to a customer.

Joe & the Juice

Now

You have spent DKK 150 and are ready to enrich the expense

Pink Joe & The Juice logo.
0

Markets

+

5,885

Users

+

589.961

Expenses

Woman using Cardlay Expense on her computer, coffee on the table.

Ready to see Cardlay Expense in action?

Get started today and give your team a faster, simpler way to manage expenses — powered by real-time data.

Get started today, from 5 EUR per user per month. Excluding Smart Receipts transaction feed

Woman using Cardlay Expense on her computer, coffee on the table.

Ready to see Cardlay Expense in action?

Get started today and give your team a faster, simpler way to manage expenses — powered by real-time data.

Get started from 5 EUR per user/per month (monthly billing)

Woman using Cardlay Expense on her computer, coffee on the table.

Ready to see Cardlay Expense in action?

Get started today and give your team a faster, simpler way to manage expenses — powered by real-time data.

Get started today, from 5 EUR per user per month. Excluding Smart Receipts transaction feed

Need help getting started?

No need to figure it out alone. Our Customer Success team is ready to help you and your team get onboarded smoothly.

Book a free session with our Customer Success team here.

We will help you get started.

Call our Customer Success team

Monday to Friday

9 am to 3 pm CET.

Call our Customer Success team. Monday to Friday

9 am to 4 pm

+45 88440640

Send us an email.

All week.

Around the clock.

Try Cardlay Expense today!

Real-time expense handling of your company’s expenses - integrated with AirPlus & Mastercard Smart Data.

Try Cardlay Expense today!

Real-time expense handling of your company’s expenses - integrated with AirPlus & Mastercard Smart Data.

Try Cardlay Expense today!

Real-time expense handling of your company’s expenses - integrated with AirPlus & Mastercard Smart Data.

English

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solution catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

English

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solution catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

English

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solution catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team