Managing payment risk is critical for businesses issuing virtual cards. DogPay offers several controls during card setup to help mitigate fraud, overspending, and unauthorized transactions. Businesses can set per-card spend limits, restrict merchant categories (MCC), and define accepted countries. These rules are applied at issuance and can be updated via API for dynamic control. Additionally, DogPay supports real-time transaction monitoring and webhook notifications, enabling businesses to detect anomalies and freeze cards immediately. By configuring these controls upfront, companies can reduce exposure while maintaining payment flexibility. DogPay also provides global account capabilities and stablecoin settlement, allowing businesses to manage funds across currencies and reconcile spending efficiently. While no system eliminates all risk, DogPay’s card controls and spend visibility help businesses maintain tighter oversight.