Businesses often choose between virtual and physical cards to manage spending. DogPay supports both, each with distinct use cases. Virtual cards are issued instantly with unique numbers, making them ideal for online subscriptions, ad spend, and team expense allocation. They reduce fraud risk and allow per-merchant limits. Physical cards are useful for in-person vendor payments, travel expenses, or situations requiring a tangible card. With DogPay, both card types fund from a global fiat or crypto account, settling in stablecoins to reduce volatility. Spend controls, such as per-card limits and category restrictions, apply to both. This dual approach helps businesses maintain visibility and control across all payment scenarios. DogPay fits into the workflow by providing the card issuance, account management, and reporting tools to streamline spend operations.