The Startup

The Startup

Savings Vault

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

Inside the

Inside the

Vault

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.

Negotiation scripts

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

Real prices and setup guides

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

Free to downlaod

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

Get the vault for free

Get the vault for free

All the tools African founders love right in your inbox

Managing Facebook ad spend across campaigns, accounts, or clients can be simple:

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Frequently Asked Questions

Is this actually free?

Who is this for?

Do I need a PIL account to use this?

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.

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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

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

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

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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.