Create unlimited virtual cards
Issue dedicated cards for subscriptions, ads, and vendors in seconds.
Virtual cards & wallet
Modern virtual cards for global online payments.
Issue virtual cards, fund your wallet, and manage every payment from one secure dashboard—with cashback on qualifying spend.
Total balance
$4,280.00
Available $4,280.00
Monthly spending
$1,240.00
Active cards
3
MernaPay
4242 4242 4242 4242
Cardholder
ALEX MORGAN
Expires
09/28
CVV
123
Recent activity
Card Payment
Amazon
-$42.00
Deposit
USDC · Ethereum
+$500.00
Virtual Cards
Crypto Deposits
Real-Time Activity
2% Cashback
Modern Dashboard
Everything you need to manage online spending.
Cards, deposits, activity, and controls—organized the way a modern finance team expects.
Freeze & unfreeze instantly
Pause a card the moment something looks off—no support tickets required.
Track every payment
A clear ledger of deposits, card spend, and adjustments in one timeline.
Crypto deposits
Fund your wallet with supported stablecoins across multiple networks.
Secure dashboard
Role-based access, verification workflows, and immutable balance records.
Responsive design
Manage cards and balances from desktop, tablet, or mobile without compromise.
Why MernaPay
Built for people who spend online—and want control.
MernaPay brings together virtual cards, wallet funding, and spending visibility in one place—without the noise of a consumer banking app.
Create virtual cards instantly
Issue a new card in seconds—no paperwork, no waiting on a physical delivery.
Manage spending from one dashboard
Balances, cards, deposits, and activity in a single workspace built for clarity.
Fund your wallet easily
Add funds with supported stablecoin deposits and spend from one balance.
Secure your online payments
Use dedicated cards online instead of sharing one card across every merchant.
Earn cashback
Qualifying card spend can earn 2% cashback once monthly spending thresholds are met.
Full control over every card
Freeze, unfreeze, and track cards independently—your rules, your visibility.
Use cases
One platform for the way you spend online.
Examples of where customers use MernaPay. Merchant names are illustrative only—we are not affiliated with or endorsed by these companies.
Online advertising
Separate cards for ad platforms help you track spend and limit exposure.
- Facebook Ads
- Google Ads
- TikTok Ads
Software subscriptions
Give each subscription its own card so renewals stay organized and easy to manage.
- OpenAI
- Notion
- Figma
- Canva
- Adobe
Travel
Book flights, hotels, and travel services with a dedicated card for trip expenses.
- Hotels
- Flights
- Booking platforms
International online shopping
Pay global merchants online with virtual cards designed for cross-border purchases.
- Marketplaces
- Direct-to-consumer brands
- Digital retailers
Business expenses
Issue cards for vendors, contractors, and operational spend—each with its own trail.
- SaaS tools
- Contractors
- Operational vendors
Digital services
Pay for hosting, domains, APIs, and other online services from one wallet.
- Cloud hosting
- APIs
- Domain registrars
Why virtual cards
A smarter way to pay online.
Virtual cards give you the flexibility of a card without carrying plastic. Create them on demand, assign them to specific use cases, and retire them when you are done.
Better security
Use unique card details online instead of reusing one card everywhere.
Separate spending
Assign cards to projects, vendors, or subscriptions so spend stays organized.
Freeze instantly
Pause a card immediately if you notice unfamiliar activity or no longer need it.
Dedicated cards for subscriptions
Keep recurring charges isolated—easier to audit and easier to cancel.
Better expense tracking
Every card payment appears in your activity feed with merchant and amount details.
Reduce fraud exposure
Limit the blast radius of a compromised card by keeping balances and cards separate.
Spend more. Earn more.
Get 2% cashback when your eligible monthly card spending reaches $2,000. Cashback is calculated on qualifying card spend and credited according to program terms.
2% cashback applies to eligible card purchases once monthly spending reaches $2,000. Terms and exclusions apply.
Start earning cashbackExample
- Spend
- $3,000.00
- Cashback
- $60.00
How it works
1
Create your account
Sign up, verify your email, and complete onboarding in a few minutes.
2
Fund your wallet
Deposit supported stablecoins to your MernaPay balance from the dashboard.
3
Create cards and start spending
Issue virtual cards and use them for online purchases worldwide.
Security
Designed with security in mind.
MernaPay is built to give you visibility and control over your account. We use modern authentication, encrypted connections, and clear activity records—so you always know what happened and when.
Secure authentication
Account access is protected with email and password authentication and session management.
Encrypted infrastructure
Data is transmitted over encrypted connections and stored using industry-standard practices.
Instant card freeze
Freeze or unfreeze any virtual card from your dashboard at any time.
Real-time activity
Deposits, card payments, and balance changes appear in your activity feed as they occur.
Spending visibility
Review balances, card status, and transaction history from a single dashboard.
Ready to take control of your online spending?
Open an account in minutes. No hype, no gimmicks—just a clear way to pay online.