---
title: "Pil by Cardtonic: Corporate Cards in Africa"
description: "Issue virtual corporate cards, set limits and roles, and track spend in real time. Fund in NGN, GHS, USDT/USDC for USD payments in Nigeria & Ghana."
canonical_url: "https://liners.com/pil"
markdown_url: "https://liners.com/pil.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pil/screenshot.webp?v=1786699762236"
published_at: "2026-08-14T11:14:37.064Z"
updated_at: "2026-10-06T16:18:10.080Z"
---

# Pil by Cardtonic: Corporate Cards in Africa

Issue virtual corporate cards, set limits and roles, and track spend in real time. Fund in NGN, GHS, USDT/USDC for USD payments in Nigeria & Ghana.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Pil by Cardtonic](/pil)

## Summary

Virtual corporate cards to control and track business spend

A spend management platform for African businesses that issues virtual corporate cards for ads, SaaS, and subscriptions, with NGN, GHS, and stablecoin funding for USD payments.

## Product details

| Field | Value |
| --- | --- |
| Website | https://pil.com/ |
| Tagline | Virtual corporate cards to control and track business spend |
| Primary country | Nigeria |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Pil is a B2B spend management platform for businesses, startups, agencies, and finance teams that need **virtual corporate cards** to control, fund, and track company spending across ads, SaaS, cloud services, and subscriptions.

Key capabilities include:
- **Multiple virtual cards** created for each team, project, client, vendor, or subscription, with labeled categories and card assignment workflows
- **Spending controls and oversight**, including card-level limits and **role-based access** for teammates
- **Real-time spend tracking**, with dashboards and **statement exports** to support ongoing expense monitoring and month-end reconciliation
- **Local funding and global payments**, including wallet funding in **NGN, GHS, or US dollar–pegged stablecoins (USDT, USDC)**, plus **USD payments** intended to reduce foreign exchange friction

Available on **Web**.

Built for **advertisers running Meta, Google, TikTok, and LinkedIn ads**, as well as **CFOs and finance teams** managing recurring business payments across tools like AWS, Slack, Adobe, and Namecheap.

Pil is notable for its focus on African business spend, with explicit support for **Nigeria and Ghana** funding rails, and for emphasizing security and compliance through **PCI DSS compliance** and the use of **licensed partners** for card, wallet, and USD payment services.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Expense Tracking](/tags/expense-tracking): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/pil/alternatives)
- [Reviews](/pil/reviews)
- [Transparency](/pil/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/pil)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)