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Where Business Spend Meets Structure, Finally.

Spend management platform with virtual cards designed for teams, startups and businesses

Try for free

Pil cards work on

Built for Daily Business

Spend & efficiency.

Most virtual cards are for one-off payments. That’s not us. After outgrowing basic business credit cards? Pil is where serious spenders come.

Built for Businesses to Run Meta, Google, TikTok, and LinkedIn ads, pay for SaaS, cloud services, and subscriptions, catch budget leaks, control spend and protect their business credit score.

Visa credit card with gradient background displaying sample card number and cardholder name.

Visa credit card with gradient pastel design in purple, pink, and yellow featuring sample card number and cardholder name.

Purple and pink gradient Visa credit card with sample card number and cardholder name.

Team Expenses dashboard showing three active expense categories: Marketing Expenses, Software, and Office Bills, each totaling $51,403.30.

Corporate Cards

& Clear Cashflow

All your payment tools, without the messy workarounds. Pil was made to support how your business actually spends:

Multiple virtual cards for each team, project, or vendor

Multi-card management with labeled categories

Clean, real-time dashboards and statement exports

Fund Locally

Spend Globally.

Fund as you want and spend anywhere: no forex friction or conversion guesswork.

Fund in NGN, GHS, or stablecoins

Make USD payments like it’s local currency

Get your funding instantly

Local Currency

Stablecoins

Naira

Stablecoins

Your Growth

is why we

are in business

Startup to scaleup without switching platforms. Because as your company grows, Pil scales with you:

Invite teammates with role-based access

Assign cards per team, project, or subscription.

Handles high-volume recurring payments.

Maintain finance oversight at every stage

We keep your

business

up and running.

business
up and running.

Your competitor’s ad campaign just paused. Yours didn’t: never worry about failed payments again.

Get Started Now

Network diagram showing Apple Pay connected to multiple payment and technology platforms including Google, Amazon, Facebook, AWS, and various fintech services via dotted lines.

Pil is built

with you in mind.

For growing companies, marketing agencies, team managers, finance leaders and founders eager to track spend better.

For Agency

For CFOs

For Advertisers

For Companies

Agencies

Your business and agency on autopilot with virtual cards per client, real-time visibility, and clean reconciliation at month end.

Learn More

CFOs

Issue virtual cards instantly, automate receipt capture, and accurately track spending month after month.

Learn More

Advertisers

Keep every advertising campaign under control and track spend in real time.

Learn More

Companies

Virtual cards that grow with your team; assign, track, and manage spend across every department, tools and subscriptions.

Learn More

Agencies

Your business and agency on autopilot with virtual cards per client, real-time visibility, and clean reconciliation at month end.

Learn More

CFOs

Issue virtual cards instantly, automate receipt capture, and accurately track spending month after month.

Learn More

Advertisers

Keep every advertising campaign under control and track spend in real time.

Learn More

Companies

Virtual cards that grow with your team; assign, track, and manage spend across every department, tools and subscriptions.

Learn More

For Agency

For CFOs

For Advertisers

For Companies

Agencies

Your business and agency on autopilot with virtual cards per client, real-time visibility, and clean reconciliation at month end.

Learn More

CFOs

Issue virtual cards instantly, automate receipt capture, and accurately track spending month after month.

Learn More

Advertisers

Keep every advertising campaign under control and track spend in real time.

Learn More

Companies

Virtual cards that grow with your team; assign, track, and manage spend across every department, tools and subscriptions.

Learn More

The Spend OS for

Global Business

Because payments shouldn’t hold your business back

Navigation menu with five options: Overview, My Cards, Wallet, Transactions, and User Access.

Intuitive Navigation

Intuitive navigation: access anything in seconds

Banking dashboard showing 5 available cards with $100,237.90 total balance, monthly spending of $12,340, and an "Add a new card" button.

Manage Multiple Cards

Manage multiple cards across teams and projects

Crypto funding

Two "Fund With USDC" buttons, one inactive in light blue and one active in bright blue, each with a dollar sign icon.

Three currency symbols representing Nigerian Naira, Cent, and US Dollar in circular icons.

Fund in NGN, GHS, or stablecoins

Dashboard showing three active corporate expense categories: Travel & Entertainment, Software Subscriptions, and Marketing Expenses, with $51,403.30 available balance and view report option.

Team Cards

Assign cards to teams instantly

Transaction history showing two funded card entries and one withdrawal for marketing expenses dated 08/11/2025.

Expense Tracking

Track every expense in real time

Team expenses dashboard showing Marketing at $150.00 and Human Resources at $122.00 with employee counts and timestamps.

Team management

Full team management and spend oversight

Cursor arrow surrounded by sparkle dots, indicating a click or interactive action.

Spend management out of the box

Watch Demo

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Pay on 12,900+ platforms…

Get Started Now

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Frequently

Asked

Questions.

Are there any fees when my team uses a PIL card?

What is PIL and who is it for?

What currencies and countries does PIL support?

How do I fund my PIL wallet?

Can my whole team use PIL, or is it just for one person?

How do card spending limits work?

How quickly can I get started?

Is PIL secure?

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hello@pil.com

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Infrastructure

Design & Media

Resources

Pil is operated by Pilpay Technologies Ltd in Canada and Tonic Technologies Limited in Nigeria — financial technology companies, not banks, brokers, or investment advisers. Card, wallet, and USD payment services are facilitated through licensed partners. Product availability may vary by market and partner service coverage.

Pil is PCI DSS compliant and committed to the secure processing and protection of user data. Your data is processed and protected in accordance with applicable data protection laws and regulations. All rights relating to data published on this platform are reserved.

Wallets are funded with US dollar–pegged stablecoins (such as USDT and USDC). While these assets are designed to maintain a stable value, conversion rates may vary at the time of funding or payout. Pil does not provide any investment, trading, or financial advice, and nothing on this platform should be taken as such.