Pil vs Cardtonic at a glance
A structural comparison, not a feature checkbox race. Anything Pil has not shipped yet is left off this table.
Built for
Businesses & teams
Individuals
Number of cards per account
Up to 8 business cards
1 regular dollar card and 1 platinum card
Spend limit and control
Available
Not available
Approval workflow
Built-in request, access, and sign-off flow
Not applicable
User access
Multi-user, role-based access
Single user account
Reporting
Exportable per-card statements (PDF/CSV)
Personal transaction history
Charges
Zero card usage fee
$1 fee applies per withdrawal
A personal virtual card works when you spend alone. Once your team starts paying for ads, software, and other expenses, you need a better way to manage spending.
Why choose PIL
Once more than one team is spending company money, a single card creates more problems than it solves. There are structural advantages that PIL holds for businesses like this:
Multiple cards under one account
PIL allows you to issue a separate card per team, project, or vendor, instead of sharing one login and one card number.
Visibility across spenders
A real-time dashboard shows total spend and per team spend, not just one user’s transaction history.
Role-based team access
The admin can invite teammates in to spend and manage based on their role, rather than sharing login credentials to a single personal account.
Built for recurring, high-volume spend
Built for automating recurring payments on ad platforms, SaaS subscriptions, and cloud infrastructure, rather than occasional one-off purchases.
See how Pil works for teams
Multiple cards, team-wide visibility and limits on every card. Built for company money, from day one.
Frequently Asked Questions
Can I use PIL if I’m just one person, not a team?
What’s the difference between a personal virtual card and a spend management platform?
Does PIL replace my personal Cardtonic card?
Is PIL available for businesses in Nigeria and Ghana?
Can my whole team use PIL?
Is PIL secure?
For growing companies, marketing agencies, team managers, finance leaders and founders eager to track spend better.
Because payments shouldn’t hold your business back
Intuitive Navigation
Intuitive navigation: access anything in seconds
Manage Multiple Cards
Manage multiple cards across teams and projects
Crypto funding
Fund in NGN, GHS, or stablecoins
Team Cards
Assign cards to teams instantly
Expense Tracking
Track every expense in real time
Team management
Full team management and spend oversight
Advertising