Navigating business payments often comes down to choosing the right card type. With DogPay, you can use both virtual and prepaid cards, but they serve different purposes.

Virtual cards are digital, generated instantly with unique card numbers. They are ideal for online subscriptions, software purchases, and one-off vendor payments. Because each virtual card can be locked to a specific merchant or spending limit, you gain better control and reduce the risk of unauthorized use. Your finance team can issue them on demand without waiting for physical plastic.

Prepaid cards, on the other hand, work like traditional debit cards loaded with funds. They are useful for employee expenses, travel, or everyday purchases where a physical card is practical. You load a set amount, and the card can be used until the balance is depleted.

So, how should your business choose? Consider the payment context. For recurring online bills, contractor payouts, or ad spend, virtual cards offer flexibility and fast setup. For in-person transactions or situations where a card needs to be handed to an employee, a prepaid card may be more straightforward.

With DogPay, you can hold funds in a global account, settle in stablecoins, and then allocate funds to either virtual or prepaid cards. The dashboard provides visibility into spending patterns, helping you reconcile expenses and manage budgets across teams.

In practice, you might use virtual cards for marketing platforms and software subscriptions, while using prepaid cards for team travel or office supplies. DogPay supports both within the same payment workflow, allowing you to switch between them as needs change.

DogPay can help your business streamline payment operations by offering both virtual and prepaid card options backed by wallet/payment infrastructure and stablecoin settlement. While no solution can guarantee every transaction succeeds, DogPay aims to give you the tools to manage spend effectively and gain clarity on where your money goes.