Businesses can leverage DogPay's virtual and physical cards to manage expenses across different scenarios. Virtual cards are ideal for online transactions—subscriptions, ads, cloud services—where you can set per-card limits and pause or close them instantly. They reduce fraud risk since the card number is not tied to a physical object. Physical cards work well for in-person purchases, travel, or employee swipes. Both card types pull from the same DogPay account, which supports fiat and stablecoins. This means you can fund cards with USDC or other supported digital assets, and DogPay handles conversion at settlement. For spend control, you can issue multiple virtual cards to different teams or vendors, each with custom budgets, while physical cards can have daily limits and category restrictions. DogPay provides real-time transaction data and reconciliation via its dashboard, helping you track where money goes. There is no automatic top-up feature; you manually or programmatically add funds to the account, then allocate to cards. This setup gives flexibility without locking you into rigid rules. DogPay does not replace your bank but adds a layer of programmable spend management for modern businesses.