Businesses often weigh virtual cards vs prepaid cards when setting up payment workflows. DogPay offers both, but understanding their differences is key. Virtual Cards: These are digital-only cards generated instantly for online transactions. They can have single-use or multi-use limits, specific merchant locks, and spending caps. Virtual cards are ideal for ad spend, cloud billing, and other digital subscriptions. They help control costs by limiting use to a single vendor or budget. Prepaid Cards: These are physical cards loaded with funds. They work for in-person expenses, team allowances, or emergency funds. Prepaid cards offer flexibility for offline purchases where virtual cards aren't accepted. How to Choose: Use virtual cards for online, vendor-specific spending to reduce fraud risk and simplify reconciliation. Use prepaid cards for offline or general business expenses where a physical card is needed. Both can be funded from a DogPay global account. DogPay provides dedicated virtual and prepaid card solutions within a single wallet infrastructure. With stablecoin settlement, businesses can load cards from a global account and track spending in real time. DogPay supports spend visibility, payment operations, and compliance for teams managing multiple budgets across borders. Whether virtual or physical, DogPay helps businesses control spending without unnecessary complexity.