Compare Pil with

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Honest, side-by-side comparisons. Where Pil is the better fit, we say so. Where the other tool still wins, we say that too.

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Raenest vs Pil

Raenest is a powerhouse for receiving global payments and multi-currency invoicing. Here is an honest look at how PIL compares for corporate card management.

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Cardtonic vs Pil

Cardtonic works well for individuals. If you're managing spend for a team, see how PIL's multi-card, multi-user platform compares.

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Getting Started Is a Breeze

Getting Started Is a Breeze

From CFOs who need company-wide visibility, to finance teams ready to close books with confidence

Step 1

Step 2

Step 3

Step 4

Fund Wallet

Add funds in Naira, Cedi, or Stablecoins & your wallet is ready instantly

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Create a Card

Issue a virtual card per team, vendor, or spend category with limits pre-set

Get Started Now

Set Limits

Configure merchant locks, spend caps, and expiry dates before a single payment goes through

Get Started Now

Start Spending

Attach the card to your ad platform

Get Started Now

Step 1

Step 2

Step 3

Step 4

Fund Wallet

Add funds in Naira, Cedi, or Stablecoins & your wallet is ready instantly

Get Started Now

Create a Card

Issue a virtual card per team, vendor, or spend category with limits pre-set

Get Started Now

Set Limits

Configure merchant locks, spend caps, and expiry dates before a single payment goes through

Get Started Now

Start Spending

Attach the card to your ad platform

Get Started Now

Fund Wallet

Add funds in Naira, Cedi, or Stablecoins & your wallet is ready instantly

Get Started Now

Create a Card

Issue a virtual card per team, vendor, or spend category with limits pre-set

Get Started Now

Set Limits

Configure merchant locks, spend caps, and expiry dates before a single payment goes through

Get Started Now

Start Spending

Attach the card to your ad platform

Get Started Now

The Spend OS for

The Spend OS for

Global Businesses

Global Businesses

Because payments shouldn’t hold your business back

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

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.

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

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.

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.

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

Collection of company logos including Adalo, Metaverse, Bubble, Baseten, Slack, Google, Figma, Facebook, Klarna, Amazon, LinkedIn, Coursera, Snyk, and AWS.

Pay on 12,900+ platforms...

Get Started Now

Get Started Now

Three round ceiling lights with white trim and gray casings shown at different angles.

Three silver coins in isometric view showing different angles and orientations.

Soft pastel gradient background with blended colors transitioning from blue and pink to cream and green.

hello@pil.com

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Plot 4 Tide Court Estate and Extensions

Alhaji Yekini Bakare Street, Off Victoria Bay,

Lekki 2, Lagos, Nigeria

Plot 4 Tide Court Estate and Extensions

Alhaji Yekini Bakare Street, Off Victoria Bay,

Lekki 2, Lagos, Nigeria

hello@pil.com

hello@pil.com

Twitter

Twitter

LinkedIn

LinkedIn

YouTube

YouTube

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.

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.