Cardlay Expense supports medium and large organizations with different levels of complexity — from operationally constrained teams to international, multi-entity groups.
Built natively for AirPlus, it delivers control, compliance, and real-time visibility without enterprise complexity.
Solutions for operational constrained organizations
Regain control without adding complexity
Typical profile
Medium-sized organizations
Manual or semi-manual expense processes
High admin burden in finance
Limited real-time visibility
Common challenges
Finance teams spend time chasing receipts
Slow, error-prone month-end close
Policies exist but are hard to enforce
Card spend and expenses are disconnected
How Cardlay Expense helps
Real-time visibility into card spend
Automatic receipt matching
Policy enforcement built into the flow
One system instead of spreadsheets and emails
The outcome
Less manual work for finance
Faster month-end close
Better compliance from day one
Solutions for complex international organizations
Central control with local flexibility
Typical profile
Multiple legal entities and countries
Different local rules and processes
Need for group-level oversight
Multiple systems and ERPs
Common challenges
No single source of truth for spend
Inconsistent processes across entities
Weak governance at scale
Heavy manual consolidation and reporting
How Cardlay Expense helps
Centralized configuration of policies and approvals
Support for local VAT rules
Unified, real-time reporting across entities
ERP-ready data for complex finance stacks
The outcome
Group-level visibility and control
Consistent processes across markets
Scalable governance without reimplementation
By starting with real-time AirPlus transactions, finance teams gain visibility and control as spending happens, while still supporting reimbursements like mileage and out-of-pocket expenses in the same governed flow.
Built for AirPlus customers
Designed for finance teams
Adopted by employees
