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← Embedded Finance Index 2026/Vendor

Cardlay

Provider
Card IssuingSpend / AP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 5 companies across 2 categories.

cardlay.com ↗Open Banking Tracker profile ↗
CategoriesCard Issuing, Spend / AP
Rank#14 of 74 in Spend / AP
Buyers5 companies

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Who uses Cardlay
5 companies disclose Cardlay in their stack
FLEET220Nordiska BankSAS (airline)Scandinavian AirlinesTab Technology
Buyer mix · 5 of 5 classified
Airlines / Loyalty & Embedded Finance · 1Infrastructure / BaaS · 1Marketplace / Travel · 1Vertical SaaS / Fleet & Mobility · 1Vertical SaaS / Restaurants · 1
EU · 4
What the disclosures say
FLEET220
“FLEET220's own press release (27 Oct 2025) states ODOS is 'powered by Visa Fleet 2.0 and built in partnership with Enfuce and Cardlay.' Enfuce provides the issuer-processing/program-management layer and Cardlay provides the cardholder app/expense layer; the card runs on the Visa network under the Visa Fleet 2.0 product…”
Nordiska Bank
“nordiska.se/en/embedded describes white-label Accounts & Payments and Cards-as-a-Service; Cision press release describes SAS SME card 'powered by Nordiska' with card issuing and credit through Nordiska's CaaS platform; app/expense management delivered by Cardlay.”
SAS (airline)
“Embedded Finance Review explicitly names 'the Danish fintech Cardlay providing the app and expense management' for the EuroBonus Executive Business Card.”
Scandinavian Airlines
“LinkedIn announcement (Cardlay Chief Sales Officer) confirms the SAS Executive Card — a co-branded corporate card combining EuroBonus loyalty with Cardlay's expense-management platform.”
Tab Technology
“Cardlay publicly lists Tab Technology as a customer at https://cardlay.com/. Tab's own page (tabcommerce.com) references embedded corporate card and vendor invoice consolidation.”
View source · cardlay.com ↗
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Alternatives to Cardlay

Other Spend / AP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

BILL40 buyers →Brex38 buyers →Ramp27 buyers →Tipalti19 buyers →Pleo14 buyers →findity11 buyers →Melio10 buyers →Pliant9 buyers →
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Ranked #14 of 74 in Spend / AP — Embedded Finance Index 2026
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Cardlay — frequently asked

Which companies use Cardlay?

5 companies are linked to Cardlay in the Embedded Finance Index 2026, through their own public disclosures or Cardlay's published customer list, including FLEET220, Nordiska Bank, SAS (airline), Scandinavian Airlines and Tab Technology.

What does Cardlay do?

Cardlay is an embedded-finance provider in Card Issuing and Spend / AP. It ranks #14 of 74 Spend / AP providers by linked companies.

What are the alternatives to Cardlay?

The most-named Spend / AP alternatives to Cardlay are BILL (40 buyers), Brex (38 buyers), Ramp (27 buyers), Tipalti (19 buyers), Pleo (14 buyers) and findity (11 buyers).

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