The payments platform that scales, without limits.

The only issuer engineered for high-frequency digital commerce. Instant issuance. Real-time funding. Any payment rail.

Our mission is to end the costly problem of legitimate transactions being wrongly declined. Using AI-powered fraud prevention, we stop actual fraud while ensuring valid purchases go through seamlessly.

For startups, global enterprises, and everyone in between.

For businesses that process high-volume transactions and demand complete control over their payments operations, Penny is the API-first payments management platform of choice.

Experience the difference

Understand your business at a new level with unified, worldwide payment data.

SmartBIN

Optimised BIN assignments across multiple banking partners to minimise declines.

On Demand Issuance

Issue VCCs on demand at low cost.

API-First

Penny’s self correction algorithms corrects transaction errors before they hit your ledger.

Shared Success

Unlock industry-leading rebates that turn routine payments into a new profit center.

Expertise with Heart

World-class, human-powered support from payments experts.

The process is simple, but the possibilities are endless.

Instantly issue unlimited, VCCs (Virtual Credit Cards), dynamically route payments to prevent declines, and reconcile every transaction in real time - so you keep campaigns running and cash flowing, all from one platform.

Advertising

Online Advertisers and AdTech
Unlock our full API suite to manage cards, groups, transfers, real-time spend controls, and live event updates.

Travel

Online Travel Agencies & Travel Management
CompaniesDisburse funds instantly—anywhere, anytime—with virtual cards

Accounts Payable

Accounts payable and subscriptions
Penny delivers accurate, reliable AP data that reduces errors, accelerates approvals, and optimizes financial operations at scale.

Slash declines by up to 90%
with smart BIN routing.

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