When managing business spending, choosing between a virtual card and a physical card depends on your operational needs. DogPay offers both options, each suited for different scenarios.

Virtual cards are digital-only and can be generated instantly. They are ideal for online subscriptions, ad spend, and contractor payments. Each virtual card can have its own spending limits and expiration date, giving you granular control. Because they are not physical, they reduce the risk of loss or theft and can be used for single-use transactions to prevent fraud.

Physical cards are tangible and work at point-of-sale terminals and ATMs. They are useful for travel expenses, office supplies, and any in-person purchases. Physical cards can also be linked to your DogPay account and may support contactless payments.

Both card types can be funded by fiat or stablecoins through your DogPay global account. You can set spend limits per card and monitor transactions in real time via the DogPay dashboard. Settlement occurs in stablecoins, which can simplify cross-border payments and reduce currency conversion costs.

DogPay provides a unified platform to issue both virtual and physical cards, manage budgets, and track spending. With support for multiple currencies and stablecoin settlement, businesses can streamline payment operations while maintaining control. Whether you need virtual cards for digital expenses or physical cards for on-the-go spending, DogPay can accommodate your workflow.