Businesses managing multiple spending streams can benefit from both virtual and physical cards. Virtual cards offer instant issuance per transaction or vendor, reducing fraud and simplifying reconciliation. They are ideal for online services, subscriptions, or one-time vendor payments where a physical card is not needed. Physical cards suit on-the-go expenses like client meals or travel, where card-present transactions are necessary. DogPay provides both options linked to a single global account. Virtual cards can be created with custom limits, expiration dates, and vendor controls. Physical cards support chip and contactless payments. Both types offer real-time spend tracking and can be funded via fiat or stablecoins. For recurring billing, virtual cards help avoid unauthorized charges by locking to a specific merchant. Physical cards can be issued to employees with daily budgets. Combining both gives teams flexibility while maintaining control. DogPay fits the payment workflow by offering a unified platform to issue, manage, and fund both card types. With global accounts and stablecoin settlement, businesses can control spend in multiple currencies, set per-card rules, and monitor transactions in real time.