Expense management built for control - without enterprise complexity.
Expense management built for control - without enterprise complexity.
Expense management
built for control - without enterprise complexity.
Built natively for AirPlus, Cardlay Expense delivers frictionless end-to-end reconciliation, ERP-ready data, and market-leading UX, helping finance teams reduce manual work, improve compliance, and close faster at a fair price.
Built natively for AirPlus, Cardlay Expense delivers frictionless end-to-end reconciliation, ERP-ready data, and market-leading UX, helping finance teams reduce manual work, improve compliance, and close faster at a fair price.
Built natively for AirPlus, Cardlay Expense delivers frictionless end-to-end reconciliation, ERP-ready data, and market-leading UX, helping finance teams reduce manual work, improve compliance, and close faster at a fair price.
AirPlus Native
AirPlus Native
Mastercard Smart Data
Mastercard Smart Data
Direct ERP Integrations
Direct ERP Integrations
Need attention
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Mountain view hotel
11:51 Reservation
EUR 215,00
•••• 1234
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Mauntain view ..
11:51 Reservation
EUR 215,00
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Out-of-pocket overview
Create your first Out-of-Pocket Expense
Add out-of-pocket
Mileage overview
Get reimbursed for the cost of driving a personal vehicle for work purposes.
Claim mileage
Customize your own home page:
Customize homepage
Jovan Upshaw
Real estate corp
9:41
Need attention
1
Mountain view hotel
11:51 Reservation
EUR 215,00
•••• 1234
Transactions
See all
Mauntain view ..
11:51 Reservation
EUR 215,00
•••• 1234
Out-of-pocket overview
Create your first Out-of-Pocket Expense
Add out-of-pocket
Mileage overview
Get reimbursed for the cost of driving a personal vehicle for work purposes.
Claim mileage
Customize your own home page:
Customize homepage
Jovan Upshaw
Real estate corp
9:41
Need attention
1
Mountain view hotel
11:51 Reservation
EUR 215,00
•••• 1234
Transactions
See all
Mauntain view ..
11:51 Reservation
EUR 215,00
•••• 1234
Out-of-pocket overview
Create your first Out-of-Pocket Expense
Add out-of-pocket
Mileage overview
Get reimbursed for the cost of driving a personal vehicle for work purposes.
Claim mileage
Customize your own home page:
Customize homepage
Jovan Upshaw
Real estate corp
9:41
AirPlus Native
AirPlus Native
Mastercard Smart Data
Mastercard Smart Data
Direct ERP Integrations
Direct ERP Integrations
Trusted by +7,000 worldwide.
As organizations grow,
expense management
becomes a bottleneck
As organizations grow,
expense management
becomes a bottleneck
As organizations grow, expense management becomes a bottleneck
As organizations grow,
expense management
becomes a bottleneck
Most companies start with simple expense tools that work well at small scale.
But as organizations grow, with more employees, cardholders, and entities, those tools no longer provide the control, compliance, or data quality finance teams need.
Most companies start with simple expense tools that work well at small scale.
But as organizations grow, with more employees, cardholders, and entities, those tools no longer provide the control, compliance, or data quality finance teams need.
Without Cardlay Expense
Without Cardlay Expense
With Cardlay Expense
With Cardlay Expense
At the same time, enterprise expense suites are powerful, but often heavy, costly, and slow to adapt.
At the same time, enterprise expense suites are powerful, but often heavy, costly, and slow to adapt.
As organizations grow, expense management becomes a bottleneck
At the same time, enterprise expense suites are powerful, but often heavy, costly, and slow to adapt.
This leaves many organizations stuck between simplicity and control.
This leaves many organizations stuck between simplicity and control.
This leaves many organizations stuck between simplicity and control.
Cardlay Expense is built for this exact gap
Cardlay Expense is built for this exact gap
As organizations grow, expense management becomes a bottleneck
Cardlay Expense is built for this exact gap
Cardlay Expense is a purpose-built expense management platform for AirPlus customers operating in medium and large organizations.
Cardlay Expense is a purpose-built expense management platform for AirPlus customers operating in medium and large organizations.
As organizations grow, expense management becomes a bottleneck
Cardlay Expense is a purpose-built expense management platform for AirPlus customers operating in medium and large organizations.
Built natively for AirPlus — not retrofitted
Built natively for AirPlus — not retrofitted — it connects card transactions, digital receipts, approvals, and accounting data in one streamlined, real-time flow.
Built natively for AirPlus — not retrofitted — it connects card transactions, digital receipts, approvals, and accounting data in one streamlined, real-time flow.
More control over your business expenses
Finance teams gain control, compliance, and visibility as spending happens. Employees get a fast, intuitive experience they actually adopt.
Finance teams gain control, compliance, and visibility as spending happens. Employees get a fast, intuitive experience they actually adopt.
Built for AirPlus — not retrofitted
Built for AirPlus — not retrofitted
From AirPlus transaction to ERP — without friction
From AirPlus transaction to ERP — without friction
Enterprise-grade control, without enterprise overhead
Enterprise-grade control, without enterprise overhead
Why finance teams choose Cardlay Expense
Why finance teams choose Cardlay Expense
Why finance teams choose Cardlay Expense
Why finance teams choose Cardlay Expense
Built natively for AirPlus
Real-time integration with AirPlus transactions and digital receipts — no delays, no workarounds.
Adoption at scale
Market-leading UX and mobile-first design ensure high employee adoption across the organization.
Control and compliance by design
Spend policies, approval flows, audit trails, and compliance are built into the process — not added after.
Fair, scalable pricing
Enterprise-grade capability without enterprise cost or long implementation cycles.
Frictionless reconciliation
ERP-ready data, structured cost codes, and clean exports reduce manual work and speed up month-end.
Talk to our team
Take control of expense — without enterprise complexity or cost
Built natively for AirPlus
Real-time integration with AirPlus transactions and digital receipts — no delays, no workarounds.
Frictionless reconciliation
ERP-ready data, structured cost codes, and clean exports reduce manual work and speed up month-end.
Fair, scalable pricing
Enterprise-grade capability without enterprise cost or long implementation cycles.
Control and compliance by design
Spend policies, approval flows, audit trails, and compliance are built into the process — not added after.
Adoption at scale
Market-leading UX and mobile-first design ensure high employee adoption across the organization.
Talk to our team
Take control of expense — without enterprise complexity or cost
Built natively for AirPlus
Real-time integration with AirPlus transactions and digital receipts — no delays, no workarounds.
Control and compliance by design
Spend policies, approval flows, audit trails, and compliance are built into the process — not added after.
Frictionless reconciliation
ERP-ready data, structured cost codes, and clean exports reduce manual work and speed up month-end.
Adoption at scale
Market-leading UX and mobile-first design ensure high employee adoption across the organization.
Fair, scalable pricing
Enterprise-grade capability without enterprise cost or long implementation cycles.
Talk to our team
Take control of expense — without enterprise complexity or cost
Proven, mature, and trusted
Cardlay Expense is built on a mature and compliant platform, trusted by organizations with complex finance setups across entities and countries.
Cardlay Expense is built on a mature and compliant platform, trusted by organizations with complex finance setups across entities and countries.
With deep experience from large-scale white-label solutions and close collaboration with AirPlus, Cardlay Expense delivers stability today — and flexibility as organizations grow.
With deep experience from large-scale white-label solutions and close collaboration with AirPlus, Cardlay Expense delivers stability today — and flexibility as organizations grow.
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
“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
Powerful integrations
Powerful integrations
Powerful integrations
Seamlessly integrate with your favorite tools to streamline workflows and keep everything in sync.
Seamlessly integrate with your favorite tools to streamline workflows and keep everything in sync.
Smarter expenses, simplified by Spencer.
Smarter expenses, simplified by Spencer.
Spencer transforms everyday expense
handling with real-time AI technology
that saves time and eliminates hassle.
Spencer transforms everyday expense handling with real-time AI technology that saves time and eliminates hassle.
Spencer transforms everyday expense handling with real-time AI technology that saves time and eliminates hassle.
Spencer transforms everyday expense handling with real-time AI technology that saves time and eliminates hassle.
Spencer streamlines workflows, cuts admin time,
and keeps every expense clean and compliant.
Spencer streamlines workflows, cuts admin time, and keeps every expense clean and compliant.
Spencer streamlines workflows, cuts admin time, and keeps every expense clean and compliant.
A win-win for effortless expenses
Prompts for missing information
Auto-fills expense data
Detects errors instantly
End-to-end automation
A win-win for effortless expenses
Prompts for missing information
Auto-fills expense data
Detects errors instantly
End-to-end automation
A win-win for effortless expenses
Prompts for missing information
Auto-fills expense data
Detects errors instantly
End-to-end automation
The result?
Smarter workflows,
faster submissions,
cleaner data for your team.
The result?
Smarter workflows,
faster submissions,
cleaner data for your team.
Take control of expense —
without enterprise complexity or cost
Take control of expense —
without enterprise complexity or cost
Take control of expense —
without enterprise complexity
or cost
Purpose-built for AirPlus customers.
Designed for finance teams. Adopted by employees.
Purpose-built for AirPlus customers.
Designed for finance teams. Adopted by employees.
Purpose-built for AirPlus customers.
Designed for finance teams.
Adopted by employees.
expense
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
Kochsgade 31D, 3 • DK-5000 Odense c
Copenhagen office
Langebrogade 4 • DK-1411 København K
• CVR. 37447285 • Copyright © 2025 Cardlay A/S
Made with ❤️ by Cardlay Design team
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.
expense
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
Kochsgade 31D, 3 • DK-5000 Odense c
Copenhagen office
Langebrogade 4 • DK-1411 København K
• CVR. 37447285 • Copyright © 2025 Cardlay A/S
Made with ❤️ by Cardlay Design team
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.
expense
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
Kochsgade 31D, 3 • DK-5000 Odense c
Copenhagen office
Langebrogade 4 • DK-1411 København K
• CVR. 37447285 • Copyright © 2025 Cardlay A/S
Made with ❤️ by Cardlay Design team
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.
expense
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
Kochsgade 31D, 3 • DK-5000 Odense c
Copenhagen office
Langebrogade 4 • DK-1411 København K
• CVR. 37447285 • Copyright © 2025 Cardlay A/S
Made with ❤️ by Cardlay Design team
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.