Free download · No card required

2026

2026

The Startup Savings Vault

50+ startup tools and cheaper alternatives, and over $500,000 in credits you can claim right now. Free to download.

Get the vault for free

50+ tools inside

$500,000+ in credits

Free. No card required.

  • The Startup Savings Vault

    Free to download

  • The Startup Savings Vault

    Free to download

  • The Startup Savings Vault

    Free to download

  • The Startup Savings Vault

    Free to download

01 — Contents

Inside the Vault

Inside the Vault

Inside the Vault

“Built from the tools founders switched to when the price became too high, or the cards simply stopped working.”

50+

Startup tools with a cheaper or local alternative

$500k+

In credits and discounts from Google, AWS, Microsoft, Anthropic and more

₦0

Free to download, no card required

Cheaper alternatives

The popular tool and the cheaper or local alternative that does the same job.

Real prices and setup guides

Real prices, perks, and a setup guide for every tool in the vault.

$500,000+ in credits

Credits and discounts from Google, AWS, Microsoft, Anthropic, and more, and how to claim each one.

Negotiation scripts

Word-for-word scripts for negotiating better startup pricing.

Pay from Nigeria

How to pay for all of it from Nigeria with a card that won’t decline.

Free to download

No card required. Everything above, in one PDF, in your inbox.

Get the vault for free

All the tools African founders love, right in your inbox

All the tools African founders love, right in your inbox

Tell us where to send it. You’ll get the full vault as a PDF, plus the claim links for every credit inside.

$500,000+ in claimable credits

Scripts to negotiate better pricing

50+ tools with cheaper alternatives

Unlock the full vault for free

No card required. We’ll only email you about the vault and PIL.

  • The Startup Savings Vault

    Free to download

  • The Startup Savings Vault

    Free to download

  • The Startup Savings Vault

    Free to download

  • The Startup Savings Vault

    Free to download

Frequently Asked Questions.

Frequently Asked Questions.

Still unsure? Here’s what founders ask before they download.

Get the vault for free

Is this actually free?

Who is this for?

Do I need a PIL account to use this?

Built by PIL, the payment platform designed for African businesses

Built by PIL, the payment platform designed for African businesses

Pil is built

Pil is built

with you in mind.
with you in mind.

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

For Agency

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.

Learn More

Pil cards

CFOs

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

Learn More

Pil Cards

Advertisers

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

Learn More

Platforms

Companies

Virtual cards that grow with your team; assign, track, and manage spend across every department, tools and subscriptions.

Learn More

Pil Cards

Agencies

Your business and agency on autopilot with virtual cards per client, real-time visibility, and clean reconciliation at month end.

Learn More

Pil cards

CFOs

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

Learn More

Pil Cards

Advertisers

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

Learn More

Platforms

Companies

Virtual cards that grow with your team; assign, track, and manage spend across every department, tools and subscriptions.

Learn More

Pil Cards

For Agency

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.

Learn More

Pil cards

CFOs

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

Learn More

Pil Cards

Advertisers

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

Learn More

Platforms

Companies

Virtual cards that grow with your team; assign, track, and manage spend across every department, tools and subscriptions.

Learn More

Pil Cards

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 Pil 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…

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.

Frequently

Frequently

Asked
Asked
Questions.
Questions.

Are there any fees when my team uses a PIL card?

What is PIL and who is it for?

What currencies and countries does PIL support?

How do I fund my PIL wallet?

Can my whole team use PIL, or is it just for one person?

How do card spending limits work?

How quickly can I get started?

Is PIL secure?

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

hello@pil.com

Twitter

LinkedIn

YouTube

Solutions

For Agencies

For CFOs

For Advertisers

For Companies

Advertising

Facebook Ads

Google Ads

LinkedIn

Travel

Bookings

Productivity

Slack

Intercom

Coursera

Apple

Infrastructure

AWS

Digital Ocean

MongoDB

Design & Media

Namecheap

Adobe

Resources

Blog

Help Centre

Terms & Conditions

Privacy Policies

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.