Businesses often compare virtual cards and prepaid cards when managing expenses. Virtual cards are digital payment tokens issued for online or in-app transactions, while prepaid cards are physical or digital cards loaded with a fixed balance. Both offer spend control, but their use cases differ.

Virtual cards are ideal for recurring subscriptions, ad spend, and contractor payments. They can be generated instantly with custom limits and expire after use, reducing fraud risk. Prepaid cards work well for in-person purchases or for employees who need a dedicated spending tool.

DogPay can support both virtual and prepaid card workflows. With DogPay, businesses can issue dedicated virtual or prepaid cards, fund them via stablecoin settlement, and track spending through a unified dashboard. Global accounts allow cross-border payments without traditional bank delays. While DogPay provides card issuance and wallet/payment infrastructure, actual card acceptance depends on the merchant or network.

For businesses using DogPay, the workflow typically involves: funding a DogPay wallet with stablecoins or fiat, creating virtual or prepaid cards for specific purposes, setting spending limits per card, and monitoring transactions in real time. This setup helps control budgets, reduce manual reconciliation, and improve payment operations.

DogPay fits into the payment workflow by providing programmable cards, global account capabilities, and stablecoin settlement options. It helps businesses manage spend visibility and streamline payment operations without relying on automatic top-ups or guaranteed acceptance. By combining virtual and prepaid cards under one platform, DogPay offers flexibility for various business needs.