Expense management that fits how your organization actually works
Expense management that fits how your organization actually works
Expense management that fits how your organization actually works
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.
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.
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.
One platform. Different needs. Same control.
One platform. Different needs. Same control.
As organizations grow, expense management becomes a bottleneck
Not all organizations struggle with expense management in the same way.
Not all organizations struggle with expense management in the same way.
As organizations grow, expense management becomes a bottleneck
Not all organizations struggle with expense management in the same way.
But as complexity increases, most face the same underlying challenges: lack of visibility, manual work, and weak policy enforcement.
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.
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.
Cardlay Expense is designed to support different organizational realities — without forcing you into different systems.
Cardlay Expense is designed to support different organizational realities — without forcing you into different systems.
Cardlay Expense is designed to support different organizational realities — without forcing you into different systems.
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
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
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
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
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
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
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
Group-level visibility and control
Consistent processes across markets
Scalable governance without reimplementation
Why starting with the corporate card matters
Why starting with the corporate card matters
Why starting with the corporate card matters
Cardlay Expense is built around corporate card spend — not retroactive reporting.
Cardlay Expense is built around corporate card spend — not retroactive reporting.
Cardlay Expense is built around corporate card spend — not retroactive reporting.
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.
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.
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.
A solution that scales with your organisation
A solution that scales with your organisation
A solution that scales with your organisation
Built for AirPlus customers
Designed for finance teams
Adopted by employees
By role
Role base value propositions
Role base value propositions
Real-time visibility and control.
Better forecasting, cleaner data,
and centralized governance.
Real-time visibility and control.
Better forecasting, cleaner data, and centralized governance.
Real-time visibility and control.
Better forecasting, cleaner data, and centralized governance.
Ready to see how
Cardlay Expense fits
your organization?
Ready to see how
Cardlay Expense fits
your organization?
Ready to see how Cardlay Expense fits your organization?
Book a demo and let us tailor a
solution to your structure and needs.
Book a demo and let us tailor a
solution to your structure and needs.
Book a demo and let us tailor a
solution to your structure and needs.
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.