Issue virtual VISA and Mastercard with the most rewarding rebate program

We are the #1 spend management platform for adtech

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Virtual Card Issuance Has Never Been Easier

Penny's spend management and payment processing platform is specifically tailored to handle the high-volume-transaction processing of the adtech space.

Unlimited virtual cards

Penny provides unlimited Virtual Credit Cards (VCCs) at no cost, secure and dynamic BIN allocation through multiple banks.
70 BINs on rotation
Multiple banks
Visa and Mastercard
3DS enabled
Multiple card classes
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Cash back

Penny's partners operate in a shared success model.  Success is best when it is shared.
Domestic and International transactions
Optimized BIN selection, Interchange rates and
network fees
Monthly summary of network income and costs, with open reporting and reconciliation
World leading rebate and referral rates
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Penny Central

Penny Central is the best way to manage, authorize, and trace spend by campaign.
Lag-free control & card creation
Real-time spend visibility & transaction funding
Freedom from lost time/money based on card declines & fraud
Painless reconcile so you can optimize cash flow & control spend
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API integration

Penny is the most developer-friendly, API-first spend management platform, built serverless for scale. It is specifically tailored to handle the high-volume-transaction processing needs of the adtech space with pin-point accuracy.
Insanely-fast integration timeline; be up and running in weeks not months
Dynamic BIN Allocation ensures campaign continuity so your business will never grind to a halt
We're in this together & you'll always be able to reach a real person who can help

Penny Inc. is a spend management and payment processing platform specifically tailored to handle the high-volume-transaction processing of the adtech space.

If you are tired of having campaigns shut off based on red flags and trudging through the financial data chaos of myriad transactions, Penny’s unlimited Virtual Credit Cards (VCCs), secure and dynamic BIN allocation, and real-time transaction funding and transparency is for you. Antiquated VCC issuers charge you for, or limit the number of, cards issued and the amount you can spend - and they're impossible to reach when you need help. Penny ensures business continuity while giving you effortless transaction reconciliation, fraud avoidance, and infinite scale - so you can focus on innovation and growth. Founded in 2015, Penny is headquartered in San Francisco.
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