Businesses often wonder whether virtual or physical cards better suit their payment needs. Both options are available through DogPay, but each serves different scenarios. Virtual cards are generated instantly and exist only digitally. They are ideal for online subscriptions, ad spend, and SaaS payments. Since virtual card details can be set with spending limits, merchant restrictions, and expiry dates, finance teams can control exactly where and how much is spent. Physical cards, on the other hand, are tangible and used for in-person expenses such as travel, team meals, or office supplies. They also support contactless and ATM withdrawals. The key decision factor is where your team spends money. If most transactions occur online, virtual cards offer better security and control. For offline purchases, physical cards are necessary. DogPay supports both types, each with customizable limits and real-time visibility. This allows businesses to manage spend across different categories from a single platform. By combining virtual and physical cards, companies can streamline payment operations while maintaining oversight.

DogPay provides dedicated virtual and physical cards tied to your business account. With real-time spend tracking and programmable controls, finance teams can allocate budgets per card, view transaction history, and settle with stablecoins or fiat. This flexible approach helps businesses manage global payments efficiently.