Choosing Between Grey Business and PIL virtual dollar cards? Read This First.

Q: Does PIL offer corporate cards like Grey Business?

Yes. Both PIL and Grey Business offer virtual USD cards for business expenses. PIL supports multiple cards for different teams, projects and spending categories, while Grey offers prepaid virtual USD Visa cards through its business account.

Q: How many corporate cards can I create on PIL and Grey Business?

PIL supports up to eight business cards per account. Grey Business allows up to 10 active virtual cards per member, with a $5 creation fee per card.

Q: Can I set spending limits on PIL and Grey Business cards?

PIL allows businesses to configure spending limits for individual cards and apply merchant restrictions. Grey also offers card management controls, including freezing, unfreezing and deleting cards.

Q: Can I fund PIL and Grey Business cards with naira or cedis?

PIL supports wallet funding in NGN and GHS, as well as USD and supported stablecoins. Grey Business offers USD expense cards through its business account, with separate local payout and currency services available on its platform.

Q: Which is cheaper, PIL or Grey Business?

Grey Business publicly lists a one-time $5 fee for creating a virtual expense card and does not charge a monthly account fee. PIL's applicable card issuance, funding and transaction fees should be checked against its current pricing schedule before making a direct cost comparison.

Q: Is PIL a replacement for Grey Business?

Not necessarily. The two platforms serve overlapping needs through their corporate card offerings, but Grey Business also provides multi-currency business accounts, international bulk payouts and other financial services. PIL is more focused on corporate cards and business spend management.

Corporate cards make it easier for businesses to manage payments, allocate expenses and keep track of team spending. Both PIL and Grey Business offer virtual USD cards for business expenses, but their approaches differ. While PIL focuses on corporate card management, team spending and local-currency funding, Grey combines business expense cards with broader banking and international payment services. Here's how their card offerings compare.

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Pil vs Grey at a glance

A structural comparison, not a feature checkbox race. Anything Pil has not shipped yet is left off this table.

Features

Pil

Grey

Card type

Virtual USD corporate cards

Prepaid virtual USD Visa cards

Card creation fee

Free

$5 per card

Daily card limit

$50,000 per card

$10,000 per day

Funding

Naira, Cedi, Stablecoins; up to $25K per card

USD balance

Spend limit and control

Available

Card controls

Available

Best for

Corporate card and spend management

Global multi-currency banking

Is PIL a good Grey Business alternative?

If your business needs multi-currency accounts, international bulk payouts or a broader business banking platform, Grey Business offers those services. But if you're primarily looking for corporate cards, PIL offers free card creation, up to eight business cards per account and a daily spending limit of $50,000 per card. You can also fund your cards using NGN, GHS or supported stablecoins, with card-level spending controls to manage team expenses.

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:

Free card creation

Create business cards on PIL without paying a card issuance fee.

Higher daily spending limit

Spend up to $50,000 per card daily, subject to applicable limits and controls.

Local currency funding

Fund your wallet directly with NGN, GHS or supported stablecoins.

Multiple cards for business expenses

Create up to eight business cards and assign them to different teams, projects or spending needs.

See how Pil works for teams

Multiple cards, team-wide visibility and limits on every card. Built for company money, from day one.

See how Pil works for teams

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

Frequently Asked Questions

Does PIL offer corporate cards like Grey Business?

How many corporate cards can I create on PIL and Grey Business?

Can I set spending limits on PIL and Grey Business cards?

Can I fund PIL and Grey Business cards with naira or cedis?

Which is cheaper, PIL or Grey Business?

Is PIL a replacement for Grey Business?

Pil is built

with you in mind.

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

For Agencies

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.

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CFOs

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

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Advertisers

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

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