Take control of payments.

Make paying customers and managing
expenses easy. For free.
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Issue your own debit & virtual cards

Automate, monitor and control your business expenses with reloadable debit MasterCards and an easy to use expense management system.

  • Issue new debit Mastercards and virtual cards when needed, and eliminate cash and reimbursement claims.
  • Make high-volume, online transactions easy with limitless virtual cards and a single point of truth for transaction data.
  • Integrated end-to-end with QuickBooks and your bank account.
  • The best part? No setup fee, no monthly charges, no hidden fees. It’s completely free.

Automate and take control

  • Convenient and contactless. No more petty cash, reimbursements, expense allocations and lost receipts.
  • Skip the bank. Issue your own Penny debit MasterCards to your employees.
  • Interactive and real-time. Instantly see where and how each Penny card is used through an easy-to-use dashboard.
  • Never go over budget. Block merchants and/or set budget limits for individual cardholders.
  • Instant visibility. Transactions can be viewed in real-time, instantly after the purchase

No more chasing receipts

  • Need a reminder? Penny’s mobile app prompts the cardholder to photograph their receipt at the time of purchase and instantly attaches it to the transaction. 
  • Instantly attaches copy of receipt it to the transaction within Penny Central.

Flexibility on the go

  • Any time and from anywhere. Approve fund requests from cardholders and transfer funds to cards through our free App.
  • Transfer funds. Transfer funds to and from main Penny Central account and between cards through our free App.

Added security

  • Virtual cards. Unlimited and free, manage recurring subscription payments and one-time online purchases. 
  • Better than the banks. Take unprecedented control over your business expenses, with no credit risk.
  • Complete control. Live visibility over spending, and merchant-level card controls.

Integrated with your accounting software

Purchases made on the Penny Mastercard or Penny Virtual card automatically transfer to Quickbooks and integrate with most major accounting programs.
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What Our Customers say

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“Penny allows us to efficiently transfer funds to our team in real time, the ability to attach receipts to each transaction enables us to audit and reconcile, we couldn’t operate without it!”

René Bloemke - Cascade2Go
On Demand Deliveries

“It is so convenient being able to issue Penny cards to my staff. Having this system has has made my life a lot easier.”

Cape Fear Deliveries
On Demand Deliveries

“Penny Inc has helped our business by enabling us to to ensure our drivers always have access to the funds they need to get the job done.”

City Cheetahs
On Demand Deliveries