Media Buyers

Our platform provides a solution to ensure uninterrupted transactions.

Media Buyers

Unlimited virtual debit Mastercards

Virtual Mastercards with dynamic spend controls allow for real-time control of card activity to optimize and manage client campaigns. Agencies can simplify media buying at the client or campaign level for thousands of ad spaces. With consolidated, categorized transaction data, you can do amazing things, identify trends and boost in an instant while gaining billing efficiencies.

Open APIs & Webhooks

Sign up and kick off your private sandbox in just three clicks. Create your card product, accounts, and cardholders, and start simulating transactions. Leverage developer guides and tutorials to get started fast. Leverage software development kits (SDKs) to integrate with your application.

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