A product built for real financial complexity
A product built for real
financial complexity
Expense management
built for control - without enterprise complexity.
Cardlay Expense is a card-centric expense management platform designed for AirPlus customers who need real-time control, compliance, and clean financial data — without enterprise complexity.
Cardlay Expense is a card-centric expense management platform designed for AirPlus customers who need real-time control, compliance, and clean financial data — without enterprise complexity.
Cardlay Expense is a card-centric expense management platform designed for AirPlus customers who need real-time control, compliance, and clean financial data — without enterprise complexity.
AirPlus native
Real-time data
ERP-ready
Market-leading UX
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
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
Real-time data
Real-time data
Direct ERP Integrations
Direct ERP Integrations
Market-leading UX
Market-leading UX
Everything finance needs — in one governed flow
Everything finance needs — in one governed flow
Everything finance needs — in one governed flow
Everything finance needs — in one governed flow
Corporate card expenses
(AirPlus native)
Real-time AirPlus transaction feed
Automatic receipt matching
Immediate visibility into card spend
Reimbursements
(mileage, per diem*, out-of-pocket)
Mobile-first submissions
Policy-aligned reimbursements
One unified approval and reporting flow
*coming soon
Approvals & policies
Configurable approval workflows
Spend policies enforced automatically
Fewer exceptions and policy breaches
Audit & compliance
Full audit trail on every transaction
Digital receipts stored and linked
Finance-ready documentation by default
Benefits
Finance teams
Finance teams
Finance teams
Control, compliance, and confidence — by design
Control, compliance, and confidence — by design
Cardlay Expense embeds finance-grade controls directly into the product.
Cardlay Expense embeds finance-grade controls directly into the product.
Cardlay Expense embeds finance-grade controls directly into the product.
Policies, approvals, cost codes, and audit trails are part of the expense flow — not something finance has to fix after the fact.
Policies, approvals, cost codes, and audit trails are part of the expense flow — not something finance has to fix after the fact.
Policies, approvals, cost codes, and audit trails are part of the expense flow — not something finance has to fix after the fact.
Employees
Employees
Employees
A system people actually use
A system people actually use
Control only works if employees adopt the system.
Control only works if employees adopt the system.
Control only works if employees adopt the system.
High adoption.
Less chasing.
Better data.
High adoption.
Less chasing.
Better data.
From AirPlus transaction to ERP — without friction
From AirPlus transaction to ERP — without friction
From AirPlus transaction to ERP — without friction
Cardlay Expense delivers clean, structured, ERP-ready data. Instead of correcting errors after the fact, finance teams receive validated data aligned to their accounting structure
Structured cost codes and dimensions
Clean exports to ERP systems
Faster month-end close
Better reporting quality
Built to fit your finance stack
Built to fit your finance stack
Built to fit your finance stack
Built to fit your finance stack
Cardlay Expense integrates seamlessly with leading ERP and accounting systems — and can adapt to complex setups.
Cardlay Expense integrates seamlessly with leading ERP and accounting
systems — and can adapt to complex setups.
Cardlay Expense integrates seamlessly with leading ERP and accounting
systems — and can adapt to complex setups.
Cardlay Expense integrates seamlessly with leading ERP and accounting systems — and can adapt to complex setups.
ERP integrations
SAP • Microsoft Dynamics • Visma • Fortnox
APIs & custom integrations
REST API for bespoke and enterprise setups
Meet Spencer — your AI expense assistant
Meet Spencer — your AI expense assistant
Meet Spencer — your AI expense assistant
Spencer helps finance teams reduce manual work and improve data quality.
Spencer helps finance teams reduce manual work and improve data quality.
Spencer helps finance teams reduce manual work and improve data quality.
Spencer helps finance teams reduce manual work and improve data quality.
Detects irrelevant or incorrect receipts
Auto-fills fields from receipts
Flags exceptions before they become problems
Expense management that scales with your organization
Expense management that scales with your organization
Expense management that scales with your organization
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.