We break the wall between finance and tech

We built the thing we kept asking for.

We have been part of building and running software companies before this one. Every time, the same job landed on someone's desk at the end of the month: work out what subscriptions the company was paying for, find the receipts, and explain the gap. Nobody's job title said that. Everyone did it anyway.

We looked at what was available and found tools built for a finance department of twelve, sold on an annual contract, with an onboarding manual. Nothing built for a team of forty that signs up for a new tool before lunch. So in 2023, we built it. First for the companies around us in Norway, then for the rest of the Nordics and Europe.

The founders behind it

Ole Daniel Nitter

CEO

Stein Magnus Jodal

Co-founder and COO

Andreas Røyrvik

Co-founder and CPO

Jakob Gerhard Martinussen

Co-founder and CTO

Vidhi Kumar

Co-founder and CGO

Lars Syse Christiansen

Co-founder and Chairperson

What we don't tolerate

We say the mess is something everyone tolerates, and that we don't. Here is what that actually means in practice.

“That's just how finance works”

Every process someone calls unavoidable is a process nobody has rebuilt yet. We take that sentence as a work order.

Software that needs a manual

If a customer has to be trained to use it, we designed it wrong. Onboarding is a short call, not a course.

“It's not my job”

Nobody here gets to hand a problem across a desk and call it solved, which is exactly the wall we spend our days knocking down for customers.

Collecting data we don't need

We built the privacy constraints before we built the features that depend on them. If we don't need it to answer your question, we don't want it on our servers.

Backed by people who have built this before

Skyfall Ventures, Sondo Capital, RunwayFBU, ProVenture, and a number of angel investors including the founders of Oda, Otovo, and Xeneta.

Skyfall Ventures
Sondo Capital
RunwayFBU
ProVenture

Designed and built in Europe

Starting with our first Nordic customers, we have since expanded to other parts of Europe. We have never had to retrofit Europe onto a product built for somewhere else.

Processing in the EEA, hosted on Google Cloud EU infrastructure, GDPR compliant, and every sub-processor listed publicly in our DPA.

In the press

Screenshot of Økonomi24 article

Proptech-selskap bruker norsk fintech til å få kontroll på alle SaaS-lisensene

Programvareabonnementer har blitt en stille kostnadsbombe for selskaper i vekst. På et CFO-arrangement i Oslo fortalte Kristoffer Hvammen fra Rubus hvordan et virvar av SaaS-verktøy, private kredittkort og manuelle prosesser ble løst med norsk fintech.

Økonomi24  ·  2 Feb 2026
Screenshot of Økonomi24 article

Lover kundene full kontroll på SaaS-kostnadene

Det norske oppstartsselskapet Cardboard skal erobre verden ved å gi kundene full kontroll over alle lisenskostnadene.

Økonomi24  ·  29 Oct 2025
Screenshot of Shifter article

Ny CEO i startupen som holder styr på abonnementene

Den nye sjefen Ole Daniel Nitter har jobbet i Boston Consulting Group før han var med å bygge opp Zalora sin indonesiske virksomhet gjennom Rocket Internet. 

Shifter  ·  3 Jun 2025
Screenshot of Tech.au article

Hottest early-stage fintechs in Nordics talk 2025 plans and fears

Four early-stage fintechs in the Nordics tell us what is on their agenda this year.

Tech.eu  ·  14 Jan 2025
Screenshot of Shifter article

Vil rydde opp i jungelen av abonnementer - nå investerer Skyfall, Sondo og RunwayFBU

Cardboard sikrer 1,9 millioner euro, tilsvarende 21 millioner kroner, for å gjøre SaaS-abonnementer smartere for bedrifter. Cardboard tilbyr en løsning som muliggjør sikker innkjøp uten behov for å dele firmakort, reduserer operasjonelle risikoer knyttet til personlige betalinger, og reduserer risikoen for «shadow IT» ved å sentralisere kritisk dataadministrasjon.

Shifter  ·  27 Aug 2024
Screenshot of Tech.au article

Cardboard raises €1.9M for SaaS subscription management

Oslo-based startup Cardboard has secured a seed investment of €1.9M to assist management of SaaS subscriptions across Europe. The funding round was led by Skyfall Ventures, with participation from co-investors including RunwayFBU and Sondo. The primary target customers are startups, scaleups, and SMEs.

Tech.eu  ·  27 Aug 2024
Screenshot of Adyen article

Kutt kostnader og optimaliser driften med Cardboards kortutstedelse

Cardboard er en SaaS-plattform for utgiftsstyring som sørger for at bedrifter kan spare tid og penger på administrasjonen av programvareabonnementer og utgifter til markedsføring på nettet, samtidig som regnskapet automatiseres. Selskapet ble grunnlagt i Norge i 2023, i utgangspunktet med fokus på Norden og med sikte på europeisk ekspansjon de kommende årene.

Adyen  ·  23 Aug 2024
Screenshot of Finansavisen article

Tar opp kampen mot galopperende softwarekostnader

- Bedrifter er opptatt av å forhandle husleiekontrakter, men at de kanskje betaler dobbelt så mye som de trenger for ulike software-abonnementer vet de ikke engang, sier Cardboard-gründer Lars Syse Christiansen.

Finansavisen  ·  15 Jun 2024
Screenshot of Shifter article

Seriegründer og utviklertrio fra Oda og Otovo med ny startup som skal løse bedriftenes abonnement-kaos

Her er detaljene om den nye Saas-satsingen som har overbevist Sondo Capital, Proventure og en rekke tek-profiler om å satse syv millioner kroner kun et halvt år etter oppstart.

Shifter  ·  3 Aug 2023

Stop tolerating the mess

Clarity and control over every tool you pay for. Automated.

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