Control Corporate Spend

Control Corporate Spend

With Virtual Cards.
With Virtual Cards.

Full transaction visibility, complete card control, and reports ready when you need them

Blue and cyan Visa credit card with holographic swirl pattern, displaying card number and cardholder name.
Blue and cyan Visa credit card with holographic swirl pattern, displaying card number and cardholder name.
Colorful Visa credit card design
Colorful Visa credit card design
Navy leather card holder with turquoise Visa card partially inserted at the top.
Navy leather card holder with turquoise Visa card partially inserted at the top.

Pil cards work on

  • LinkedIn logo
  • Coursera logo
  • Facebook logo
  • Intercom logo
  • Slack logo
  • Adobe logo
  • MongoDB logo
  • DigitalOcean logo
  • LinkedIn logo
  • Google logo

Pil cards work on

  • LinkedIn logo
  • Coursera logo
  • Facebook logo
  • Intercom logo
  • Slack logo
  • Adobe logo
  • MongoDB logo
  • DigitalOcean logo
  • LinkedIn logo
  • Google logo

Corporate Spend,

Corporate Spend,

All in Check
All in Check

Pil gives finance teams a clean paper trail to manage company spend in one place.

Built for Finance

Built for Finance

Teams and CFOs

Virtual cards designed for how finance teams actually work:

Instantly issued virtual cards with pre-set limits, merchant locks, and expiry controls

Virtual Visa cards accepted across SaaS platforms, vendors, and global payment tools

Real-time financial dashboard with full transaction context in one place

Automated receipt capture and spend categorization across all cards and teams

Built by finance leaders who needed this exact solution themselves

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.

How it works

Managing corporate spend across teams, vendors, and tools can be simple:

Assign Card

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

Make Payment

Employees spend within authorized limits across platforms and tools

Track Expenses

Track every transaction in real time with full context, per card or department

Set Limit

Pre-set limits, merchant locks, and expiry dates before cards go live

Freeze or Deactivate

Freeze or delete cards instantly if anything looks off or a vendor relationship ends

Credit Score

Protect your business credit score

Built to Control

Built to Control

Business Spend

Control Ad Spend

Pil transforms virtual card spend data into your most powerful lever for growth and control.

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

Frequently Asked Questions

Frequently Asked Questions

How does PIL help me control what the team spends?

Can I see all team spending in one view?

Does PIL require card spending to be approved before funds are moved?

How do I issue cards to new team members and revoke access when someone leaves?

How do I know if a card is running low before a payment fails?

What reports can I pull for accounting?

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

Fund Wallet

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

Create a Card

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

Set Limits

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

Start Tracking

Every transaction is captured automatically, so month-end is simply a review

Fund Wallet

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

Create a Card

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

Set Limits

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

Start Tracking

Every transaction is captured automatically, so month-end is simply a review

Fund Wallet

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

Create a Card

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

Set Limits

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

Start Tracking

Every transaction is captured automatically, so month-end is simply a review

The Spend OS for

The Spend OS for

Global Business
Global Business

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

White stylized "P" logo on a tilted blue glass panel with digital pattern background and play button icon.

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...

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.

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.