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
As organizations grow, expense management becomes a bottleneck
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
Corporate card expenses
(AirPlus native)
Real-time AirPlus transaction feed
Automatic receipt matching
Immediate visibility into card spend
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
Reimbursements
(mileage, per diem*, out-of-pocket)
Mobile-first submissions
Policy-aligned reimbursements
One unified approval and reporting flow
Reimbursements
(mileage, per diem*, out-of-pocket)
Mobile-first submissions
Policy-aligned reimbursements
One unified approval and reporting flow
Approvals & policies
Configurable approval workflows
Spend policies enforced automatically
Fewer exceptions and policy breaches
Approvals & policies
Configurable approval workflows
Spend policies enforced automatically
Fewer exceptions and policy breaches
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
Audit & compliance
Full audit trail on every transaction
Digital receipts stored and linked
Finance-ready documentation by default
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
As organizations grow, expense management becomes a bottleneck
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.
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.
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
ERP integrations
SAP • Microsoft Dynamics • Visma • Fortnox
Real-time AirPlus transaction feed
Automatic receipt matching
Immediate visibility into card spend
APIs & custom integrations
REST API for bespoke and enterprise setups
APIs & custom integrations
REST API for bespoke and enterprise setups
Mobile-first submissions
Policy-aligned reimbursements
One unified approval and reporting flow
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.
Detects irrelevant or incorrect receipts
Detects irrelevant or incorrect receipts
Flags exceptions before they become problems
Expense management
that scales with your
organization
Expense management
that scales with your
organization
Take control of expense —
without enterprise complexity
or cost
Built for AirPlus customers
Designed for finance teams
Adopted by employees
expense
Cardlay är ett danskt FinTech företag som grundades med ett tydligt syfte: Vi vill underlätta smidig hantering av företagsutgifter genom att göra det enkelt för företag att hantera kort, betalningar och utgifter.
Med närvaro i Europa och USA har Cardlay stört fintech industrin genom att möjliggöra för både regionala utfärdare och några av världens största finansiella institutioner och teknologiföretag att lansera nya digitala innovativa lösningar som riktar sig till både SME-företag och globala företag.
Odense kontor
Billedskærervej 17 • DK-5230 Odense M
Köpenhamn kontor
Langebrogade 4 • DK-1411 Köpenhamn K
• CVR. 37447285 • Upphovsrätt © 2024 Cardlay A/S
Tillverkad med ❤️ av 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 är ett danskt FinTech företag som grundades med ett tydligt syfte: Vi vill underlätta smidig hantering av företagsutgifter genom att göra det enkelt för företag att hantera kort, betalningar och utgifter.
Med närvaro i Europa och USA har Cardlay stört fintech industrin genom att möjliggöra för både regionala utfärdare och några av världens största finansiella institutioner och teknologiföretag att lansera nya digitala innovativa lösningar som riktar sig till både SME-företag och globala företag.
Odense kontor
Billedskærervej 17 • DK-5230 Odense M
Köpenhamn kontor
Langebrogade 4 • DK-1411 Köpenhamn K
• CVR. 37447285 • Upphovsrätt © 2024 Cardlay A/S
Tillverkad med ❤️ av 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 är ett danskt FinTech företag som grundades med ett tydligt syfte: Vi vill underlätta smidig hantering av företagsutgifter genom att göra det enkelt för företag att hantera kort, betalningar och utgifter.
Med närvaro i Europa och USA har Cardlay stört fintech industrin genom att möjliggöra för både regionala utfärdare och några av världens största finansiella institutioner och teknologiföretag att lansera nya digitala innovativa lösningar som riktar sig till både SME-företag och globala företag.
Odense kontor
Billedskærervej 17 • DK-5230 Odense M
Köpenhamn kontor
Langebrogade 4 • DK-1411 Köpenhamn K
• CVR. 37447285 • Upphovsrätt © 2024 Cardlay A/S
Tillverkad med ❤️ av 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 är ett danskt FinTech företag som grundades med ett tydligt syfte: Vi vill underlätta smidig hantering av företagsutgifter genom att göra det enkelt för företag att hantera kort, betalningar och utgifter.
Med närvaro i Europa och USA har Cardlay stört fintech industrin genom att möjliggöra för både regionala utfärdare och några av världens största finansiella institutioner och teknologiföretag att lansera nya digitala innovativa lösningar som riktar sig till både SME-företag och globala företag.
Odense kontor
Billedskærervej 17 • DK-5230 Odense M
Köpenhamn kontor
Langebrogade 4 • DK-1411 Köpenhamn K
• CVR. 37447285 • Upphovsrätt © 2024 Cardlay A/S
Tillverkad med ❤️ av Cardlay Design team
Get Cardlay now?
Ready to transform your spend management to the next level?
Reach out. We are here to help.