When managing business spend, choosing between a virtual card and a prepaid card depends on your specific needs. Virtual cards are digital-only, generated instantly for online transactions, subscriptions, and ad spend. They offer unique card numbers, expiration dates, and spend limits per use, reducing fraud risk. Prepaid cards are physical plastic cards loaded with funds, ideal for in-person purchases or employee expenses where a tangible card is required. DogPay provides both options. Virtual cards help control recurring payments and online vendor spend with real-time visibility. Prepaid cards support offline or travel expenses with a fixed balance. Neither requires a traditional bank account. DogPay enables businesses to issue these cards, fund them via stablecoins (USDC, USDT), and manage spending through a single dashboard. Spend controls include per-card limits, category restrictions, and instant freeze capabilities. For global teams, DogPay supports multi-currency wallets and stablecoin settlement, reducing currency conversion fees. While both card types offer spend control, virtual cards excel in digital environments, while prepaid cards suit physical point-of-sale needs. DogPay's platform integrates both options, allowing businesses to choose based on use case.