Businesses often compare virtual cards and physical prepaid cards for managing expenses. DogPay offers both, but each serves a distinct purpose.

Virtual Card: A virtual card exists only digitally, with a card number, expiration, and CVV. It is ideal for online transactions, subscriptions, and remote team spending. Businesses can issue multiple virtual cards for specific vendors, set spending limits, and monitor usage in real time. Virtual cards integrate with DogPay's wallet and global account infrastructure, allowing stablecoin settlement and instant issuance without waiting for plastic.

Physical Prepaid Card: A physical card is a tangible plastic card that can be used at point-of-sale terminals, ATMs, and for offline purchases. It is useful for travel, in-person vendor payments, or employees who need a physical form of payment. DogPay's physical cards are prepaid, meaning funds must be loaded in advance, giving businesses control over spending.

Which Should Businesses Use? For online and remote spend, virtual cards provide better control and security. For in-person or offline needs, physical prepaid cards are more practical. Many businesses use both: virtual cards for digital expenses, physical cards for field staff or travel.

DogPay supports this with dedicated cards, global accounts, stablecoin settlement, and wallet/payment infrastructure. Businesses can manage spend visibility and payment operations through a single platform, choosing the card type that fits each use case.