← Embedded Finance Index 2026/Vendor

Cardlay

Provider
Spend / AP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 1 category.

cardlay.com ↗Open Banking Tracker profile ↗
CategoriesSpend / AP
Rank#17 of 68 in Spend / AP
Buyers3 companies
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Who uses Cardlay
3 companies disclose Cardlay in their stack
Nordiska BankScandinavian AirlinesTab Technology
Buyer mix · 3 of 3 classified
Infrastructure / BaaS · 1Marketplace / Travel · 1Vertical SaaS / Restaurants · 1
EU · 2
What the disclosures say
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.”
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 ↗
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Cardlay? Claim this profile above to unlock your own full list.
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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.

BILL35 buyers →Brex29 buyers →Ramp23 buyers →Tipalti19 buyers →Pleo15 buyers →Findity11 buyers →Melio10 buyers →Soldo9 buyers →
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Ranked #17 of 68 in Spend / AP — Embedded Finance Index 2026
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