Cardlay
IT Services and IT ConsultingHovedstaden, Denmark11-50 Employees
Cardlay is a Danish FinTech focused on simplifying corporate spending through an integrated platform for cards, expenses, and VAT reclaim. Its software links payment cards (virtual and plastic), card management, and expense management, and it operates its own virtual card program. The company positions itself as a strategic partner to banks, card issuers, processors, and other financial institutions undergoing digital transformation. Based in Copenhagen with an office in Odense, Cardlay serves small to mid-sized businesses and financial institutions seeking end-to-end spend management solutions. A notable recent development is the 2026 launch of a U.S. embedded spend platform to extend its reach into turnkey commercial spend.