Businesses looking to expand payment offerings can leverage DogPay’s Wallet as a Service (WaaS) to provide virtual cards, global accounts, and stablecoin capabilities directly within their own products. This enables companies in sectors like global SaaS, ecommerce, and ad spend to offer embedded financial services without obtaining a banking license.

With DogPay, a business can provision dedicated virtual cards with spend controls, issue wallet accounts supporting multiple currencies, and settle transactions using stablecoins. The infrastructure supports real-time balance visibility and transaction monitoring, helping businesses manage corporate spend or enable customer payouts. DogPay handles compliance (KYC/AML) and card program management, so the client can focus on user experience.

The service is particularly useful for platforms that need to disburse funds to contractors, manage ad budgets, or provide spending cards to team members. Integration is via API, allowing customization of card limits, wallet balances, and settlement preferences. DogPay does not guarantee automatic top-ups or specific acceptance rates, but provides tools to configure controls accurately.

DogPay fits into the payment workflow by acting as the underlying wallet and card infrastructure layer. It connects the business’s platform to global payment networks (via virtual cards) and stablecoin settlement rails, enabling instant, low-cost transfers. This setup reduces the need for multiple banking partners, streamlines reconciliation, and offers users a seamless payment experience with real-time funding and spend visibility.