Businesses using OpenAI API often face billing challenges with traditional payment methods. DogPay virtual cards offer a practical solution for managing these costs. By generating dedicated virtual cards linked to a global account, teams can allocate specific budgets to API usage. Each card can have custom spending limits, helping control monthly expenses. When the API bill arrives, the card is charged like any standard Visa or Mastercard, but behind the scenes DogPay uses stablecoin settlement for faster, lower-cost funding. This means no need for a local bank account or currency conversion fees. The card details are entered into the OpenAI billing portal, and recurring charges are processed automatically. DogPay provides real-time spend visibility and transaction reporting, allowing businesses to track API consumption per card. If funding is needed, users can top up the global account via crypto or fiat on-ramp. For teams managing multiple AI tools, DogPay supports creating separate cards for each subscription, streamlining payment operations without mixing funds. This setup is especially useful for remote teams or companies operating across borders, as DogPay handles cross-currency payments seamlessly. DogPay fits into the payment workflow as the card issuer and settlement layer. Businesses first deposit funds into their DogPay global account (via USDC, USDT, or fiat). Then, they create virtual cards and assign them to OpenAI billing. The API charges are deducted from the card balance, which is settled in stablecoins behind the scenes. DogPay provides a dashboard to monitor all card transactions, set per-card limits, and pause or cancel cards if needed. This gives finance teams control over AI spend without relying on traditional banking infrastructure.