Manage all your expenses in one place.
Control global spend smarter with a single source of truth.
Unlimited Virtual Cards
Virtual Wallet Management
Push-to-Card
Spend Management Portal
RESTful API
Revenue Share
Programmatic Issuance at Scale
Virtual Card Issuance Has Never Been Easier.
Penny doesn't limit how many cards you generate. Whether you need 1K or 1M cards, the sky’s the limit.
Create one-time or multi-use cards so you control the security and protect against fraud.
Never get blocked for suspicious activity from your high transaction volume again. Dynamically select BINs to ensure uninterrupted transactions.
Never wait for pre-funding again. Fund your cards in real time from any funding source that works for you.
Programmatic Issuance at Scale
Easily Manage Spend Across People and Channels.
One API to rule them all
Built for developers by developers
Speed up your development cycle with our user-friendly, potent APIs! Spare your engineering efforts with our comprehensive payments features. We tirelessly navigate the labyrinth of gateways, payment networks, and financial institutions shaping the world economy, all to provide you a single platform for all your development needs.
Supported Languages
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card_id: "e42e-18a82e45b766c1f7ea01-ae21",
version: 1,
version_time: "2023-06-23T06:41:25.484863+00:00",
wallet_id: "1111-bbdef-7281123-cead1123-7584",
user_id: "8791-b3cfd-1209123-99726eefd-1223",
alias: "My New Card",
type: "virtual",
active: true,
last_four: "1111",
account_number: "8329428918231982",
security_code: 123,
expiration: "0624",
expiration_date: "2024-06-01T23:59:59+00:00",
network: "MASTERCARD",
currency_code: "USD",
name_line_1: "John",
name_line_2: "Smith",
gateway_merchant_name: "Merchant Name"
}
What our customers say
Customer Testimonials
René Bloemke
Business Owner, Cascade2Go
Michelle Barrow
Business Owner, Cape Fear Delivery
J. E. Rodriguez
Area Manager, South Texas Development Council
Ashley Campos
Business Owner, City Cheetahs
John Boynton
Business Owner, 803 Food Delivery
Programmatic Issuance at Scale
A Use Case Made for You
Streamline payment processes and unlock innovation with our cost-free virtual credit card solution tailored to the needs of Ad Tech, Travel Tech, DTC, and Loyalty & Rewards industries.
Ad & Marketing Tech
Penny addresses the challenge of blocked BINs in the Ad Tech industry by enabling users to dynamically select different BINs, ensuring uninterrupted transactions and avoiding lost business caused by algorithms flagging unusual activity.
Travel Tech & OTA
Penny enables Online Travel Agencies (OTAs) real-time access to incoming customer funds so that they can pay their travel suppliers without relying on lines of credit or cash reserves.
DTC & DropShipping
Address the issue of flagged transactions by allowing clients to provide required local addresses for AVS checks. This feature reduces the risk of legitimate transactions being rejected, minimizing the chance of being flagged as fraud.
Loyalty & Rewards
Our platform provides a Just-In-Time funding model for staff and customer reward programs, issuing virtual rewards that are only funded upon purchase, while also allowing recipients to combine reloadable Virtual Credit Card rewards.
Real-Time Data & Spend Management
Manage Corporate Spend like a Pro
Penny's helps you control spending by issuing department and employee debit cards, setting spending limits and rules, and providing real-time visibility into transactions across departments.
Dynamic Spend Controls
Blacklisting or whitelisting, cost efficiency and fraud prevention with customizable thresholds and rule sets, and real-time adjustability via our API.
Real-time transaction data
The real-time transaction data includes access to past web-hook events for tracking purposes and visibility into deposited funds through the Funding API.
Advanced Wallet Management
Setup wallets with granular control and flexibility by assigning cards and utilizing budget allocation for streamlined expense management.
Transaction event webhooks
Our advanced Web-hook system enables real-time notifications for key API events, streamlining workflows and keeping you informed.
Why Penny?
Unlimited Virtual Credit Cards
Get unlimited virtual cards so you can manage each payment with total control, visibility, and insights for any payment type, anywhere you go.
Dynamic BIN Allocation
Robust decisioning engine that can systematically determine what cards should be accepted and what VCCs should be issued in order to maximize acceptance
On-Demand Funding
Authorize and fund transactions in real time, optimizing for cash flow and spend control.
3D Secure
3D Secure provides an extra layer of protection for your business and customers for their online purchases. 3D Secure deters unauthorized card use and helps you to reduce fraudulent activity and chargebacks.
RESTful API
Our adaptable open APIs and immediate web-hooks, combined with our physical and virtual card options, empower you to interact with customers and compensate vendors and employees through inventive payment solutions.
Fast Reconciliation
Insert custom metadata into transaction records to accelerate data matching
Learn more about Payment Processing
Anyone can process payments with the call of an API.
Ready to take control of your payments?
Go from signup to transaction in record speed, or talk with an expert and see how we can help you scale and manage payments