When choosing between virtual and physical cards for business spend, consider the use case. DogPay supports both, but each serves different needs.

Virtual cards are issued instantly and exist only digitally. They work well for recurring online payments, advertising platforms, subscription services, and SaaS tools. With DogPay, virtual cards can be created per vendor, team, or budget, giving you granular control over spending limits and expiry dates. They reduce the risk of fraud since card details can be locked to a single merchant or transaction limit.

Physical cards, on the other hand, are tangible and ideal for in-person purchases, travel expenses, team lunches, and office supplies. DogPay physical cards can be linked to your global account and used at any merchant that accepts standard card payments. They provide a backup when online payments aren't possible.

Both card types draw from the same DogPay account, which can hold fiat and stablecoins. You can set individual spending limits and track transactions in real time. Virtual cards are easier to manage for digital-first businesses, while physical cards cover offline needs.

DogPay fits into your payment workflow by offering a unified platform to issue virtual and physical cards, manage budgets, and settle payments via stablecoins. This helps you maintain spend visibility across teams and regions without juggling multiple providers. Whether you need instant virtual cards for online spend or physical cards for on-the-go expenses, DogPay provides the infrastructure to support both.