DogPay offers two flexible card options for business spending: virtual cards and prepaid cards. Understanding their differences helps you decide which to use for specific purchases.

Virtual cards are issued with a unique card number, typically for a single transaction or a specific vendor. They fit online spending like ad campaigns, SaaS subscriptions, or team expenses. Since each virtual card can be limited to a set amount and vendor, you can manage spending without exposing your main account. Virtual cards also support stablecoin settlement, making cross-border transactions smoother.

Prepaid cards, on the other hand, are loaded with a specific balance and can be used until that balance is depleted. They suit situations where you need a physical or a reusable card for offline purchases, team travel, or recurring costs where the merchant does not accept virtual cards. With a prepaid card, you control spending by the amount loaded, reducing the risk of overspending.

Your choice depends on the use case. For controlled, one-off online transactions, virtual cards are efficient. For ongoing purchases or in-person needs, prepaid cards offer simplicity. Many businesses use a combination: virtual cards for vendor-specific digital spend and prepaid cards for broader, day-to-day expenses.

DogPay can help with both models through its global accounts, stablecoin settlement, and card issuance infrastructure. DogPay supports dedicated virtual cards and prepaid offerings, giving you spend visibility and payment operations across your team. The platform is designed to align with your business workflows, whether you need precise controls or flexible funding. As always, check merchant acceptance per card type, as not all merchants accept every card network. DogPay aims to provide a practical suite for modern business payments, but your specific needs determine which card works best.