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thepennyinc.com
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thepennyinc.com

11 technologies
VerifiedVisit187/mo$1M811 Tech3 Leads
Deep Dive

The Penny Inc: The $0.8M Virtual Credit Card Play

A lean, 8-person fintech carving a niche in business virtual cards

In a fintech world dominated by billion-dollar valuations, The Penny Inc. is playing a different game. With just 8 employees and $0.8M in revenue, they’re targeting a specific, high-volume pain point: unlimited virtual credit cards for business.

$0.8M
Annual Revenue
8
Employees
187
Monthly Visits
42%
Direct Traffic

"This isn't a product for everyone. It's a precision tool for a niche that's tired of traditional banking limitations."

Niche Down to Win

The data reveals a laser-focused strategy. Their top keyword, 'business credit cards that offer unlimited virtual credit cards' (350 monthly volume), signals they aren't fighting for general consumers. They're chasing businesses desperate for scalable, virtual payment solutions. The 60 monthly searches for 'penny virtual credit card' show a small but intent-driven user base finding them directly.

The Traffic Paradox

With only 187 monthly visits, the volume is low, but the quality is high. 42% direct traffic is a massive signal for a company this size—it means users are actively seeking them out, not stumbling upon ads. This suggests a strong word-of-mouth engine or a solution so specific that once discovered, users bookmark it. The 32% organic search share shows they're starting to capture intent.

The tech stack is pragmatic, not flashy. They rely on battle-tested tools: jQuery for interactivity, Tailwind CSS and Bootstrap for rapid UI development, and Cloudflare/AWS for infrastructure. This isn't a company burning cash on bleeding-edge tech; it's a team optimizing for speed and reliability. The 4/5 Trustpilot rating from 4 reviews is a promising start, but the sample size is too small to be a definitive trust signal yet.

  • Precision Targeting: They own the 'unlimited virtual business card' conversation.
  • High-Intent Traffic: 42% direct traffic indicates strong product-market fit among a small cohort.
  • Lean Operations: 8 employees generating $0.8M revenue = ~$100k revenue per employee.
  • Founder-Led: Tony Ferguson at the helm suggests a hands-on, product-focused culture.
They don't have massive scale (187 visits/month).
They own a high-value, underserved niche.
They aren't a household name.
They attract users who know exactly what they want.
They don't target the mass consumer market.
They operate with extreme capital efficiency.

The Micro-Fintech Blueprint

The Penny Inc. proves that in fintech, depth beats breadth. They aren't trying to be a bank; they're building a single, critical feature better than anyone else.

What tech stack does Thepennyinc use?

14 detected
Video1
Security1
Performance1
JavaScript Libraries2
Tracking & Analytics3
G
Google Analytics
J
jsDelivr
A
Amazon CloudFront

How much traffic does Thepennyinc get?

Traffic & Engagement

187
Monthly Visits
1.0
Pages/Visit
0:00
Avg. Duration
40%
Bounce Rate
Monthly Traffic Trend-79%
878
Oct 2025
Oct
304
Nov 2025
Nov
187
Dec 2025
Dec

Traffic Sources

Search
32%
Direct
42%
Social
10%
Referrals
13%
Email
0%
Paid
2%

Where is Thepennyinc's audience located?

🌍100.0%

What keywords does Thepennyinc rank for?

5 keywords
1penny virtual credit card60 vol
2bank vcc unlimited180 vol
3penny issuing80 vol
4penny international inc.20 vol
5business credit cards that offer unlimited virtual credit cards350 vol

How is Thepennyinc's SEO?

Meta Tags

title9 chars

Penny Inc

languageEN

H1 Tags

h1The payments platform that scales, without limits.

What is Thepennyinc's revenue?

$1M
Annual Revenue
8
Employees
$105K
Revenue/Employee
San Francisco, United States
Headquarters

Who works at Thepennyinc?

Loading leads...

What do customers think of Thepennyinc?

Penny Inc

Penny Inc

4.0
4 reviews
✓ Claimed

Categories

Non-Bank Financial Service#undefinedCard Processing Service#undefinedMoney Transfer Service#undefined

Activity & Engagement

Reply Rate
0%
Avg. Reply Time
0.0 days
Claimed Date
9/29/2020

Contact Information

Address:
Kingsbury Grade Road 297
Stateline, US

Reviews (4)

Filter by rating:
Linda Maguire
9/22/2025
🇮🇪 Ireland2 reviewsOrganicUnverified
Experience date: 9/20/2025
It was a very good experience the staff…

It was a very good experience the staff where great and the shop was tidy

Trey
7/10/2022
🇺🇸 United States1 reviewsFileUploadInvitationVerified
Long time user

Long time user. Thankful for the service they provide.

Ava Bowman
9/13/2021
🇧🇩 Bangladesh1 reviewsOrganicUnverified
Amazing Virtual Debit & Credit Card Service Provided

I had the opportunity to get Penny Virtual Debit & Credit card. They are very convenient for our business because we can now issue out cards without stressing on security with can preset limits. And no fee so even better. Thanks to Penny Inc. We love it

Travis C
8/21/2021
🇲🇾 Malaysia8 reviewsOrganicUnverified
Brilliant Virtual Credit Card (Mastercard) Service

We considered 6 VCC companies to generate instant disposable CC numbers for our onboarding team members to have charge card capability on the fly. It works using an App and everything is secure from within the admin portal. We never have to chase receipts again and don't need to worry about card security for any cost recovery. Love it!

👍 1

Frequently Asked Questions about Thepennyinc

What is Thepennyinc's Revenue?
Thepennyinc generates approximately $1M in annual revenue. With 8 employees, that's $105,000 per employee.
What technologies does Thepennyinc use?
Thepennyinc uses 11 technologies across their website including Video, Fonts, Security. Key technologies include Vimeo, Font Awesome, HSTS.
Who are Thepennyinc's competitors?
Thepennyinc's main competitors include Receipt Bank, Pleo.io, SutiSoft, Deem, Unit4. These companies operate in similar markets and compete for the same customer base.
What do customers think of Thepennyinc?
Thepennyinc has a Trustpilot score of 4.0 out of 5 (4 stars) based on 4 customer reviews.

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How to contact Thepennyinc?

Social Profiles

What are Thepennyinc's key pages?

Export thepennyinc.com Data

Download the complete tech stack, analytics, leads, and company data for thepennyinc.com in JSON or CSV format. Use it for your sales pipeline, competitive analysis, or research.

Raw JSON Data

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About thepennyinc.com

Company Overview

thepennyinc.com
Website
finance
Industry
187
Monthly Visitors
11
Technologies
3+
Employees

thepennyinc.com Key Pages

thepennyinc.com Social Media

Contact thepennyinc.com

Technology Stack

thepennyinc.com uses 11 technologies across their website including Vimeo, Font Awesome, HSTS, and more.

Video

Vimeo

Fonts

Font Awesome

Security

HSTS

CDN

jsDelivr

Cloud & Hosting

AWS CloudFront, Cloudflare

Performance

Lazy Loading

Traffic & Audience

187
Monthly Visits
40%
Bounce Rate
1.0
Pages/Visit
0:00
Avg. Duration

thepennyinc.com receives approximately 187 monthly visitors. The website has a bounce rate of 40% with visitors viewing an average of 1.0 pages per visit. Users spend an average of 0:00 on the site.

The majority of thepennyinc.com's traffic comes from .

Frequently Asked Questions

What is thepennyinc.com?
thepennyinc.com is a website that you can visit at https://thepennyinc.com. Use TechList.ai to discover the technologies, analytics, and company information about thepennyinc.com.
How much does thepennyinc.com cost?
You can view thepennyinc.com's pricing and plans on their pricing page. Visit their website for the most up-to-date pricing information.
What technologies does thepennyinc.com use?
thepennyinc.com uses 11 technologies including Vimeo, Font Awesome, and 5 more. View the full tech stack analysis above.
What are thepennyinc.com's social media accounts?
thepennyinc.com is active on facebook, linkedin. You can find links to all their social media profiles in the social section above.
How popular is thepennyinc.com?
thepennyinc.com receives approximately 187 monthly visitors. Traffic is declining by 38.5% month-over-month.

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This page provides publicly available information about thepennyinc.com. Data is collected from various public sources and may not always be up to date. For the most accurate information, please visit thepennyinc.com directly at https://thepennyinc.com.