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expenses easy. For free.
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Penny debit cards and virtual cards

Issue your own debit & virtual cards

Automate, monitor and control your business expenses with re-loadable debit Master Cards and an easy to use expense management system.

  • Issue new debit Master cards 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.
no more issues like lost receipts

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 Master Cards 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.
no more chasing receipts at penny debit cards
easy fund transfer debit card, virtual card, and master card

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.
strong security penny debit card and master card
Automatic integration penny master cards or penny virtual cards

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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Our Latest
Articles

8 Tell-tale Signs Your Business Needs Expense Management Software

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6 Simple Tips for Managing Employee Expenses in Your Restaurant

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Chief among the reasons restaurants cease trading so early is poor expense management. Too often, first-time restaurant owners fail to keep their spend under control. And it makes sense why. The fast-paced nature of the food industry makes managing expenses one of the more demanding parts of running a restaurant. In this article, we’ll offer a few tips that can help you take control over your spending, so you can avoid a similar fate to the restaurants we’ve mentioned above. Let’s dig in. 

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What our
customers say

Cascade2Go

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

Business Owner

Cape Fear Delivery

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

Michelle Barrow

Business Owner

South Texas Development Council

What I like best about Penny Inc. is that it has given our organization a platform by which we can provide direct transfer payments on reloadable cards, while eliminating overhead costs.

J. E. Rodriguez

Area Manager

All testimonials
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