The company's platform integrates payment card management, expense management, and automated VAT reclaim into a single software platform. It offers real-time notifications, virtual account functionality, and the ability to issue, activate, load, and manage physical and virtual cards globally. Cardlay's solution streamlines processes, frees up resources, and provides immediate economic benefits for cardholders and accounting departments. The company aims to create a global spend management network by partnering with banks and financial institutions to optimize their processes and generate new revenue.