Controlling payment risk during card setup is critical for businesses using virtual cards. DogPay offers several features to help manage this risk. First, businesses can set custom spend limits per card, including single-transaction caps and monthly budgets. Cards can also be locked or deactivated instantly via the dashboard or API. For stablecoin-funded cards, the use of digital assets reduces settlement risk, as funds are available immediately. Additionally, DogPay provides real-time transaction data and webhooks for reconciliation, enabling businesses to monitor spend as it happens. When setting up cards, businesses should configure approval workflows for high-value transactions and restrict card use to specific merchants or categories. DogPay does not guarantee approval for all transactions, but these controls help limit exposure. By combining card-level restrictions with global account visibility, businesses can reduce unauthorized spend. DogPay also supports KYB/AML checks during onboarding to ensure compliance. For businesses looking to refine payment risk strategies, DogPay's documentation covers API-based controls and reporting. DogPay can help with card issuance, spend controls, and reconciliation, but each business should assess its own risk tolerance. With careful setup, businesses can use DogPay to support secure payment operations.