PIL offers two account types. You choose one when you sign up.

Both give you access to PIL's full feature set: a wallet, virtual cards, and transaction history. Business accounts also include team management: invite members, assign roles, and manage card funding requests.

The only difference in limits is your card count:

Please Note: All features are locked until you complete verification. Individual accounts require identity verification (KYC). Business accounts require both identity verification (KYC) and business verification (KYB).