When businesses evaluate card options, the choice between a virtual card and a prepaid card often depends on spend control needs. DogPay offers both, but they serve different purposes.

A DogPay virtual card is a digital-only card issued instantly for online purchases. It can be set with per-transaction limits, merchant restrictions, and expiration dates. This makes it ideal for managing recurring subscriptions, ad spend, and contractor payments without exposing a primary account. Virtual cards are generated on demand and can be locked or deleted after use, reducing fraud risk.

A DogPay prepaid card is a physical card loaded with a predetermined balance. It works like a debit card but without linking to a bank account. Businesses use prepaid cards for travel expenses, petty cash, or employee allowances where offline acceptance is required. The balance is topped up via stablecoin settlement or fiat transfer.

Key differences: virtual cards excel for online, one-time, or recurring digital payments; prepaid cards suit in-person or offline spending. Both provide spend visibility through DogPay's dashboard, with transaction categorization and balance alerts.

For hybrid needs, businesses can use virtual cards for fixed online expenses and prepaid cards for variable offline costs. DogPay's platform allows creating and managing both card types from a single account, with spend rules applied per card.

DogPay helps businesses streamline payment operations by offering dedicated virtual and prepaid cards linked to global accounts. With stablecoin settlement, real-time spend visibility, and flexible card controls, DogPay supports diverse payment workflows while maintaining compliance. Whether for team expenses or vendor payments, DogPay's infrastructure adapts to your spend management strategy.