Powering real-time expense automation across Scandinavia
Powering real-time expense automation across Scandinavia
Powering real-time expense automation across Scandinavia
Cardlay Expense helps mid-market and enterprise organizations modernize their expense processes with real-time data, automation, and seamless card and ERP integrations.
Built in partnership with leading financial institutions — trusted by teams across Sweden, Denmark, Finland, and Norway.
Cardlay Expense helps mid-market and enterprise organizations modernize their expense processes with real-time data, automation, and seamless card and ERP integrations.
Built in partnership with leading financial institutions — trusted by teams across Sweden, Denmark, Finland, and Norway.
Cardlay Expense helps mid-market and enterprise organizations modernize their expense processes with real-time data, automation, and seamless card and ERP integrations.
Built in partnership with leading financial institutions — trusted by teams across Sweden, Denmark, Finland, and Norway.
Our mission
Our mission
As organizations grow, expense management becomes a bottleneck
Our mission
To make expense handling effortless, accurate, and fully connected for every organization.
We believe finance teams should spend time driving value — not chasing receipts, correcting errors, or managing outdated systems. Cardlay Expense replaces manual workflows with a modern, automated experience that reduces complexity and delivers control at scale.
To make expense handling effortless, accurate, and fully connected for every organization.
We believe finance teams should spend time driving value — not chasing receipts, correcting errors, or managing outdated systems. Cardlay Expense replaces manual workflows with a modern, automated experience that reduces complexity and delivers control at scale.
Our story
Our story
Our story
It started with a card and
two Nordic companies.
It started with a card and
two Nordic companies.
It started with a card and
two Nordic companies.
It started with a card and
two Nordic companies.
In the Nordics, corporate cards have long been at the center of business spend. But expense handling didn’t always keep up.
In the Nordics, corporate cards have long been at the center of business spend. But expense handling didn’t always keep up.
Cardlay Expense integrates seamlessly with leading ERP and accounting
systems — and can adapt to complex setups.
In 2019, Eurocard (now AirPlus) and Cardlay partnered to modernize expense management — not by layering expense on top of the card, but by building it around the transaction itself.
In 2019, Eurocard (now AirPlus) and Cardlay partnered to modernize expense management — not by layering expense on top of the card, but by building it around the transaction itself.
Cardlay Expense integrates seamlessly with leading ERP and accounting
systems — and can adapt to complex setups.
From the beginning, the ambition was clear:
From the beginning, the ambition was clear:
From the beginning, the ambition was clear:
When a card transaction happens, the expense process should already be in motion.
When a card transaction happens, the expense process should already be in motion.
When a card transaction happens, the expense process should already be in motion.
Through Eurocard Expense Manager and the Eurocard Pro app — and today through Cardlay Expense for AirPlus customers — we have built a connected flow:
Through Eurocard Expense Manager and the Eurocard Pro app — and today through Cardlay Expense for AirPlus customers — we have built a connected flow:
Cardlay Expense integrates seamlessly with leading ERP and accounting
systems — and can adapt to complex setups.
Real-time transaction visibility.
Digital receipts connected directly to the card flow.
Finance-ready data from day one.
Real-time transaction visibility.
Digital receipts connected directly to the card flow.
Finance-ready data from day one.
Real-time transaction visibility.
Digital receipts connected directly to the card flow.
Finance-ready data from day one.
Real-time transaction visibility.
Digital receipts connected directly to the card flow.
Finance-ready data from day one.
When Eurocard became AirPlus, the collaboration continued. The product evolved — the ambition stayed the same:
When Eurocard became AirPlus, the collaboration continued. The product evolved — the ambition stayed the same:
To deliver a card-native expense experience that feels effortless for employees and structured for finance.
To deliver a card-native expense experience that feels effortless for employees and structured for finance.
Today, Cardlay Expense supports thousands of users across Scandinavia and continues to evolve through strong partnerships and customer collaboration.
Today, Cardlay Expense supports thousands of users across Scandinavia and continues to evolve through strong partnerships and customer collaboration.
Today, Cardlay Expense supports thousands of users across Scandinavia and continues to evolve through strong partnerships and customer collaboration.
Today, Cardlay Expense supports thousands of users across Scandinavia and continues to evolve through strong partnerships and customer collaboration.
Cardlay Expense is part of Cardlay, a fintech leader delivering scalable white-label spend management solutions to banks, fleets, and platforms globally.
Cardlay Expense is part of Cardlay, a fintech leader delivering scalable white-label spend management solutions to banks, fleets, and platforms globally.
Partnerships that powers us
Partnerships that powers us
Partnerships that powers us
Cardlay Expense integrates directly with some of the most trusted payment and data providers in Europe:
AirPlus (Formerly Eurocard)
SEB
Mastercard Smart Data
Our long-standing collaboration with AirPlus dates back to 2019 and continues to shape the platform today.
Cardlay Expense integrates directly with some of the most trusted payment and data providers in Europe:
AirPlus (Formerly Eurocard)
SEB
Mastercard Smart Data
Our long-standing collaboration with AirPlus dates back to 2019 and continues to shape the platform today.
These partnerships ensure:
These partnerships ensure:
These partnerships ensure:
Real-time transaction flows
Real-time transaction flows
Real-time transaction flows
High data accuracy
High data accuracy
High data accuracy
Integrated smart receipt handling
Integrated smart receipt handling
Integrated smart receipt handling
Seamless ERP-ready expense data
Seamless ERP-ready expense data
Seamless ERP-ready expense data
Security and compliance
Security and compliance
As organizations grow, expense management becomes a bottleneck
Security and compliance
Security is a cornerstone of our platform.
Cardlay Expense is PCIDSS certified and fully compliant with GDPR, using enterprise-grade encryption and access controls to protect sensitive financial data.
Audit trails, permissions, and policy management tools help you stay aligned with internal and external requirements.
Security is a cornerstone of our platform.
Cardlay Expense is PCIDSS certified and fully compliant with GDPR, using enterprise-grade encryption and access controls to protect sensitive financial data.
Audit trails, permissions, and policy management tools help you stay aligned with internal and external requirements.
Join us on the journey
Join us on the journey
Join us on the journey
Whether you’re replacing a legacy system, standardizing processes across entities, or scaling your corporate card program, Cardlay Expense gives you the platform — and the partnership — to succeed.
Whether you’re replacing a legacy system, standardizing processes across entities, or scaling your corporate card program, Cardlay Expense gives you the platform — and the partnership — to succeed.
Whether you’re replacing a legacy system, standardizing processes across entities, or scaling your corporate card program, Cardlay Expense gives you the platform — and the partnership — to succeed.
expense
Cardlay on tanskalainen FinTech-yritys, joka on perustettu selkeällä tarkoituksella: Haluamme helpottaa yritysten kortti-, maksu- ja kulukäsittelyä.
Läsnäolollamme Euroopassa ja Yhdysvalloissa Cardlay on mullistanut FinTech-alaa mahdollistamalla sekä alueellisten liikkeellelaskijoiden että maailman suurimpien rahoituslaitosten ja teknologiayritysten uusien innovatiivisten digitaalisten ratkaisujen käyttöönoton sekä pk-yrityksille että globaaleille yrityksille.
Odense office
Billedskærervej 17 • DK-5230 Odense M
Copenhagen office
Langebrogade 4 • DK-1411 Kööpenhamina K
• CVR. 37447285 • Tekijänoikeus © 2024 Cardlay A/S
Valmistettu ❤️ Cardlay Design -tiimin toimesta
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.
expense
Cardlay on tanskalainen FinTech-yritys, joka on perustettu selkeällä tarkoituksella: Haluamme helpottaa yritysten kortti-, maksu- ja kulukäsittelyä.
Läsnäolollamme Euroopassa ja Yhdysvalloissa Cardlay on mullistanut FinTech-alaa mahdollistamalla sekä alueellisten liikkeellelaskijoiden että maailman suurimpien rahoituslaitosten ja teknologiayritysten uusien innovatiivisten digitaalisten ratkaisujen käyttöönoton sekä pk-yrityksille että globaaleille yrityksille.
Odense office
Billedskærervej 17 • DK-5230 Odense M
Copenhagen office
Langebrogade 4 • DK-1411 Kööpenhamina K
• CVR. 37447285 • Tekijänoikeus © 2024 Cardlay A/S
Valmistettu ❤️ Cardlay Design -tiimin toimesta
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.
expense
Cardlay on tanskalainen FinTech-yritys, joka on perustettu selkeällä tarkoituksella: Haluamme helpottaa yritysten kortti-, maksu- ja kulukäsittelyä.
Läsnäolollamme Euroopassa ja Yhdysvalloissa Cardlay on mullistanut FinTech-alaa mahdollistamalla sekä alueellisten liikkeellelaskijoiden että maailman suurimpien rahoituslaitosten ja teknologiayritysten uusien innovatiivisten digitaalisten ratkaisujen käyttöönoton sekä pk-yrityksille että globaaleille yrityksille.
Odense office
Billedskærervej 17 • DK-5230 Odense M
Copenhagen office
Langebrogade 4 • DK-1411 Kööpenhamina K
• CVR. 37447285 • Tekijänoikeus © 2024 Cardlay A/S
Valmistettu ❤️ Cardlay Design -tiimin toimesta
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.
expense
Cardlay on tanskalainen FinTech-yritys, joka on perustettu selkeällä tarkoituksella: Haluamme helpottaa yritysten kortti-, maksu- ja kulukäsittelyä.
Läsnäolollamme Euroopassa ja Yhdysvalloissa Cardlay on mullistanut FinTech-alaa mahdollistamalla sekä alueellisten liikkeellelaskijoiden että maailman suurimpien rahoituslaitosten ja teknologiayritysten uusien innovatiivisten digitaalisten ratkaisujen käyttöönoton sekä pk-yrityksille että globaaleille yrityksille.
Odense office
Billedskærervej 17 • DK-5230 Odense M
Copenhagen office
Langebrogade 4 • DK-1411 Kööpenhamina K
• CVR. 37447285 • Tekijänoikeus © 2024 Cardlay A/S
Valmistettu ❤️ Cardlay Design -tiimin toimesta
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.