Loyalty & Rewards

Provide local addresses and ensure merchants do not reject legitimate transactions, reducing the risk of being flagged as fraud.

Create a customised rewards program and issue new cards from inside Penny’s dashboard

Deliver instant rewards to the people that matter most to your brand

Manage and control rewards budgets across departments, teams, regions

Cards are not linked to a bank account: cards are prepaid and can be used wherever Mastercard is accepted

Employees can download the Penny app and check their rewards card balance 24/7

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.


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