Feature Request: Dodo Payments Business Transfers, Multi-Currency Wallets & Visa Spending Cards

Feature Request: Dodo Payments Business Transfers, Multi-Currency Wallets & Visa Spending Cards

Feature title: Dodo Business Banking — International Transfers and Owner & Employee Visa Cards

1. Feature Overview

I would like to request an integrated business financial management feature within Dodo Payments that allows business owners to receive, hold, convert, transfer, and spend their business revenue globally.

The goal is to make Dodo Payments more than a payment processing platform by introducing financial tools similar to Wise Business, including international money transfers, multi-currency balances, and dedicated Visa spending cards for business owners and their employees.

2. Key Features

A. International Money Transfers

- Send and receive international business payments

- Transfer funds between supported bank accounts and payment platforms.

- Convert USD automatically into the user's selected local currency or another supported currency.

- Hold balances in multiple currencies, such as USD, EUR, GBP up, and ZAR.

- Display real-time exchange rates, conversion fees, and estimated arrival times.

- Support withdrawals to local bank accounts in supported countries.

- Provide transparent transfer tracking and transaction history.

B. Business Owner Visa Card

Provide the business owner with a dedicated Visa business debit or prepaid card connected to their available business balance.

The owner should be able to:

- Spend business funds online and in physical stores.

- Make international purchases and supported ATM withdrawals.

- Use virtual and physical cards.

- Freeze, unfreeze, or replace their card.

- Set spending limits and transaction restrictions.

- Track all card transactions from the Dodo Payments dashboard.

- Manage foreign-currency spending and applicable conversion fees.

C. Employee Visa Spending Cards

Allow business owners to issue separate Visa spending cards to their employees without giving them full access to the company's funds or financial dashboard.

Employee card features should include:

- Individual virtual and physical Visa cards.

- Custom spending limits per employee.

- Daily, weekly, and monthly budgets.

- Restrictions by merchant category or transaction type.

- Instant card freezing and cancellation by the owner or an authorized administrator.

- Real-time spending notifications.

- Transaction receipts and expense categorization.

- A clear record of which employee made each purchase.

Employees should only be able to access their own cards and transactions, while the owner retains administrative control over company-wide spending.

D. Centralized Business Financial Dashboard

Create a single dashboard where business owners can manage:

- Payment revenue and available balances.

- Multi-currency wallets.

- International transfers and withdrawals.

- Owner and employee cards.

- Employee spending and budgets.

- Currency conversion and transaction fees.

- Expense reports and downloadable statements.

3. Security and Financial Controls

The feature should include two-factor authentication, card security controls, role-based permissions, transaction monitoring, and detailed audit logs.

Business funds and employee spending should be separated through clear accounting records. Card issuance, transfers, and multi-currency accounts should operate through the appropriate licensed banking, payments, and card-issuing partners.

4. Business Value

This feature would help businesses manage their finances in one place instead of relying on separate payment processors, international transfer services, and corporate card providers.

It could make Dodo Payments especially valuable for SaaS founders, AI entrepreneurs, remote teams, agencies, and international businesses that earn revenue in one currency and spend it across several countries.

5. Expected Outcome

I would love to see Dodo Payments introduce a unified business financial platform with:

1. Wise-style international transfers and multi-currency balances.

2. A dedicated Visa card for the business owner.

3. Separate Visa spending cards for employees.

4. Centralized spending controls and expense management.

5. Automatic currency conversion and transparent fees.

This would be a valuable addition to the Dodo Payments ecosystem and could make managing global business revenue and expenses significantly easier.