Virtual Cards for Small Businesses: One Card per Tool

One company card, a dozen people using it, and a statement full of charges nobody can explain. That is how many small businesses pay for software, ads and travel. Separate cards for separate spending fix most of it, and you can start with cards you can buy today.

In short: give each tool, vendor or ad account its own card. With Gpaynow you can do that today by buying separate prepaid virtual cards with crypto: each card's balance works as its spending cap. An API that creates and controls cards automatically (Card API v2) is planned and in early access.

Why one shared card costs a small business money

• Forgotten renewals keep charging. On a shared card, a tool nobody uses any more renews quietly.
• Sorting takes time. Someone has to match each charge to a person, a project and a reason.
• One leak breaks everything. If the card number is exposed, every subscription on it has to be moved at once.

How to split spending with prepaid cards today

1. Pick your messiest subscriptions, for example design tools, ad accounts and cloud services.
2. Buy one prepaid virtual card for each in the Gpaynow store, paid from your Gpaynow balance topped up with USDT, USDC, Bitcoin or another supported coin.
3. Load only what that tool needs. A prepaid card cannot spend more than its balance, so the balance is a natural cap.
4. Swap the card on file in each tool, and name the card after the tool in your own records.

Each card price is the card balance plus a one-time activation fee ($5, or $15 on $300 cards). There are no monthly fees, and there is no KYC to buy. Some merchants refuse prepaid cards, so check each tool's payment rules first.

What a card API adds later

With a card issuing API, cards are created and managed by your own software: a new card when someone joins, a limit per card, and an instant freeze when a trial ends. Gpaynow Card API v2 is planned to offer this. It is in early access: no card issuer is connected yet, API keys are not available yet, and no payment is taken until access is approved. Planned plans have a one-time fee (from $1,500) and no monthly fees; see the Card API page for details.

Prepaid store cards or the API?

Frequently asked questions

Can a small business use Gpaynow cards today?

Yes. You can buy prepaid virtual cards in the Gpaynow store with crypto, one per tool or vendor. There is no KYC to buy.

Can I set a spending limit on a card?

A prepaid card can only spend its balance, so load each card with the amount that tool needs. Per-card limits by API are planned for Card API v2.

Is there a monthly fee?

No. Store cards have no monthly fees; each card price is its balance plus a one-time activation fee.

Is the Card API live?

No. Card API v2 is in early access, and no payment is taken until access is approved.