The Most Reliable

The Most Reliable

Virtual Cards for Digital Agencies.

Virtual Cards for Digital Agencies.

Instantly issue cards per client or project, set limits, and track all expenses in one place

Colorful gradient credit card with red logo.
Colorful gradient credit card with red logo.
Credit card with gradient purple and blue design, displayed at an angle showing card number and cardholder name.
Credit card with gradient purple and blue design, displayed at an angle showing card number and cardholder name.
Visa card showing embossed card number and cardholder name Yuki Yoshinaga
Visa card showing embossed card number and cardholder name Yuki Yoshinaga

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

Agency Ad Spend,

Agency Ad Spend,

All in Check
All in Check

Pil keeps every client’s budget visible and accounted for, no matter how many campaigns you’re running

Built for

Built for

Agencies of All Sizes

Virtual cards for every client, campaign, or project:

Separate virtual cards per client, project, or campaign

Virtual Visa cards accepted across all major ad platforms and SaaS tools

Live dashboard showing spend per client, account, and campaign in one place

One platform to manage ad spend, SaaS subscriptions, and vendor payments

Built for lean agency teams and fast-growing marketing operations

Multiple Visa credit cards with colorful designs stacked in a dark blue leather wallet with stitched edges.

How it works

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

Assign Card

Assign a virtual card to each client, project, or campaign from the start

Make Payment

Pay for ads and tools securely without mixing client and agency spend

Track Expenses

Track every transaction in real time across all accounts and platforms

Set Limit

Set limits per campaign or retainer to protect your margins from accidental overspend

Freeze or Deactivate

Freeze or deactivate cards instantly when campaigns end or budgets change

Credit Score

Protect your business credit score

Built to Control

Built to Control

Business Spend

Business 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

Can I create separate cards for each client or campaign?

How quickly can I issue a new card for a new client?

Which ad platforms work with PIL cards?

Can I export transaction data per card or campaign for client billing?

What happens if an ad platform charges more than expected?

Can my team manage different client accounts from one PIL account?

Get Started In Just Minutes

Get Started In Just Minutes

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 Spending

Attach cards to your ad platforms and tools; manage everything from one dashboard

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 Spending

Attach cards to your ad platforms and tools; manage everything from one dashboard

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 Spending

Attach cards to your ad platforms and tools; manage everything from one dashboard

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.