Get Up & Running
This Week.
Penny is all about making your payments workflow easy while helping you mitigate risks and create a new revenue stream. We also want to serve up all of your payments data, in real time, in whatever way works best for you.
We are API-first, built serverless for scale & hyper developer-friendly. Our insanely-fast integration times will have you up & running in weeks not months. Or you can manage your payments directly from our easy-to-use hub, Penny Central.
Virtual Card Solutions for AdTech Companies
Scale Your Ad Operations. Control Every Dollar. Eliminate Payment Headaches.
Managing ad spend across dozens of platforms and hundreds of clients shouldn't drain your resources. Our virtual card solution gives you the control and automation you need to run lean, profitable ad operations.
Built for Adtech Scale
Whether you're managing 10 clients or 1,000, our platform handles the complexity so you can focus on performance, not payments.
Ready to streamline your ad operations?
Why AdTech Leaders Choose Virtual Cards
- Spin Up Accounts Instantly Launch new campaigns in minutes, not days. Issue virtual cards on-demand for every ad account across Google, Meta, TikTok, and beyond—no waiting for physical cards or bank approvals. Scale your operations without scaling your overhead.
- Lock In Budget Control Set precise spending limits per campaign, client, or platform. Prevent costly overspend with automated controls that adjust in real-time as your campaigns evolve. Your budgets stay on track, automatically.
- Keep Client Funds Crystal Clear Every client gets dedicated virtual cards for transparent spend tracking. No more tangled transactions or reconciliation nightmares. Billing becomes effortless when every dollar is already categorized.
- Protect Your Ad Accounts Platform suspensions kill momentum. Our virtual cards reduce payment rejection risk and keep your campaigns running smoothly. If one account hits an issue, your other operations stay live—no domino effect.
- Stop Fraud in Its Tracks Compromised credentials? Limit the damage to a single card. Set custom restrictions and pause cards instantly without disrupting your entire operation. Security that scales with your business.
- Reconcile in Real-Time Match every transaction to its exact campaign, client, and platform automatically. Get instant visibility into where every ad dollar goes. Close your books faster with zero guesswork.
- Bridge the Cash Flow Gap Pay platforms on their schedule while billing clients on yours. Maintain working capital flexibility without juggling payment timing or scrambling for funds.
Virtual Card Solutions for Online Travel Agents
Streamline Payments. Maximize Cash Flow. Scale with Confidence.
Managing thousands of hotel/flight/hire car payments doesn't have to be complicated. Our virtual card solution gives you complete control over supplier payments while you focus on growing your travel business.
Built for Adtech Scale
Whether you're managing 10 clients or 1,000, our platform handles the complexity so you can focus on performance, not payments.
Ready to streamline your payment operations?
Why Leading OTAs Choose Virtual Cards
- Automate Every Payment Stop manually processing bank transfers and chasing down invoices. Issue unique virtual cards instantly for each booking, with exact authorization amounts and automatic settlement. What used to take hours now happens in seconds.
- Optimize Your Cash Flow Collect from travelers immediately, pay suppliers on your terms. Our virtual cards give you the flexibility to hold funds longer and deploy capital where it matters most—growing your business.
- Lock Down Security Every booking gets its own single-use card number with predefined limits and expiration dates. If a number is compromised, only that transaction is at risk. Protect your business and your travelers with bank-level security built in.
- Reconcile Instantly Say goodbye to payment matching headaches. Each virtual card links directly to its booking, giving you perfect visibility across your entire payment operation. Close your books faster with automatic reconciliation.
- Keep Suppliers Happy Hotels get guaranteed payment without the hassle of invoicing and collections. You get flexible payment timing without damaging supplier relationships. It's a win-win that scales.
- Built for Scale Whether you're processing hundreds or hundreds of thousands of bookings monthly, our virtual card platform grows with you—no additional overhead required.
Virtual Card Solutions for Accounts Payable
Take Control of Your Business Spending
Transform your accounts payable process with virtual card AI technology that gives you unprecedented control, security, and efficiency.
Ready to Modernize Your AP?
Join forward-thinking companies that have already made the switch to virtual card payments. Experience the efficiency, security, and control your finance team deserves.
The smarter way to pay vendors
- Unmatched Security & Fraud Protection Protect your business with unique card numbers for every transaction or vendor. Set strict spending limits and expiration dates that automatically prevent unauthorized charges. If a card number is compromised, simply deactivate it without impacting your other payments.
- Real-Time Visibility & Control Gain complete oversight of company spending with customizable card parameters. Set dollar limits, restrict merchants, and define expiration dates for every virtual card. Track transactions in real-time and ensure every purchase aligns with your budget and approval policies.
- Streamline Your AP Process Eliminate the time-consuming tasks that slow down your finance team. No more check writing, signature gathering, or trips to the mailbox. Pay vendors instantly while your transaction data flows directly into your accounting system for automated reconciliation.
- Optimize Your Cash Flow Take advantage of extended payment terms while maintaining strong vendor relationships. Virtual cards give you the breathing room to manage cash strategically while ensuring suppliers get paid quickly and reliably.
- Reduce Costs by Up to 75% Cut your payment processing costs dramatically compared to traditional check payments. Eliminate paper, postage, and manual processing while potentially earning rebates or rewards on your business spending.
- Simplify Vendor Management Issue single-use cards for one-time vendors, trial subscriptions, or project-based spending. Control exactly how much each vendor can charge and when, giving you peace of mind and eliminating billing disputes.
