Global SaaS businesses face challenges with cross-border vendor payments, multi-currency expenses, and slow settlement. DogPay offers a Web3 payment workflow that combines virtual cards, global accounts, and stablecoin settlement to address these needs. With DogPay, companies can fund accounts using USDC or USDT, convert to fiat at settlement, and issue virtual cards for online spend. This approach reduces reliance on traditional banking rails and provides real-time visibility into spending across teams. DogPay supports dedicated card issuance per department, spending limits, and transaction categorization, helping maintain budget control. The platform does not offer guaranteed acceptance or automatic top-ups, but it provides a flexible infrastructure for managing global payables. By integrating DogPay, SaaS firms can streamline payments to international contractors, cloud services, and ad platforms while benefiting from faster settlement and reduced currency conversion costs. Spend management features allow tracking expenses in multiple currencies, with reporting tools to monitor cash flow. For SaaS businesses operating globally, DogPay can help align payment operations with Web3 adoption without requiring a banking license.