Businesses using DogPay can choose between virtual and physical cards depending on their spending needs. Virtual cards are issued instantly and exist only in digital form. They are ideal for online subscriptions, ad platforms, SaaS tools, and one-time vendor payments. Each virtual card can have a fixed limit, expiry, or merchant restriction, giving you fine-grained spend control without waiting for plastic. Physical cards, on the other hand, are tangible and work at point-of-sale terminals, ATMs, or for travel expenses. They suit in-person purchases, team travel, and emergency spending. A physical card can also be linked to the same account as virtual cards, so you can manage both through one dashboard. DogPay supports both card types with stablecoin settlement and global account capabilities. You can fund cards from fiat or crypto, set custom spend rules per card, and monitor transactions in real time. Virtual cards reduce risk for online spend, while physical cards cover offline needs. Many businesses use a mix: virtual for recurring digital costs and physical for remote employee purchases. DogPay provides a unified workflow for issuing and managing virtual and physical cards alongside multi-currency wallets. With built-in compliance and stablecoin settlement, DogPay helps businesses streamline payment operations across borders, offering spend visibility and control without relying on traditional banking infrastructure.