The problem
Cash App, Chime, debit and prepaid cards get turned away by many hotels, car rentals and cloud services, and nobody explains why.
The Digna Bill Card · Free to try
Dignity at every checkout.
Hotels, car rentals and cloud services often turn away Cash App, Chime and prepaid cards, and rarely say why. The Digna Bill Card is a card for one bill, like the hotel, the rental or the cloud service, paid from your own money with a limit you choose. No credit check, no debt. And if a place ever says no, you'll know exactly why.
Already have an account? · Starts with $250 in practice money.
Made for everyone who's ever been turned away at a counter.
Approved · Harborview Hotel$150.00 · Hotel card · Example
DignaBill Card · Example
Hotel check-in$150 of $200 limit
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Watch
See Digna in 3 minutes
A declined card at a hotel desk, and what happens when it's your turn with Digna. Made with Meta's AI models.
The film uses practice money. Real cards come with a licensed partner.
What Digna does
Gives you a card for each of those places. It works like a credit card, pays from your Digna wallet, and can never spend past the limit you choose.
What you can do today
Make an account, get $250 in practice money, make cards, and see what real-world checkouts say to your everyday card versus a Digna Bill Card. Real cards are coming.
Why Digna
More than a place to keep your money
Most money apps stop at holding your money. Digna is built for the moment that matters: when you're at the counter.
Most money appsDigna
One card for everythingA card for each place, each with its own limit
“Declined.” Nothing else.Every no comes with the reason, and what to do next
Bills are yours to keep track ofSnap a bill and Digna reads it and sets up its card
Help means waiting on holdAsk Digna anything, in your own words, any time
One leaked card number puts everything at riskClose one card; the rest keep working
Built from one declined card at a hotel desk, for everyone who's ever felt that moment, and for a future where your money is welcome everywhere.
What makes it work
From your wallet to a yes, in milliseconds
The technology under every Digna payment, step by step.
- Funds set aside · no credit pull
Prefunded wallet
Every card is backed by money already in your wallet. No credit check, no interest, no debt.
- Virtual cards · one number per place
Cards issued on demand
Each card is its own number, issued in seconds for one place, with its own limit and end date. Close one; the rest keep working.
- Card-type recognition at checkout
Built around the card's BIN
Hotels and rental counters read a card's first digits (its BIN) to decide credit, debit or prepaid. Digna's cards are designed for that moment.
- Server-side rules · milliseconds
Real-time authorization
Limit, end date, security code and wallet are checked at the moment you pay, inside the database, before a place gets its yes.
- Response codes → clear answers · Muse Spark
Declines, decoded
The reason behind every no, translated from bank codes and each place's rules into a clear answer, with Meta's Muse Spark explaining what to do next.
Today every step runs on practice money, end to end. Real cards will be issued through a licensed card partner.
Dignity · Convenience · Efficiency
A declined card isn't just a failed payment.
It's being told, in public, that your money doesn't count. Digna is built so that never happens to you, and every feature keeps that promise.
No public declines
Know before you pay. Pay a bill and the money assistant show you whether a card will work, and why, so you're not caught out at the counter.
No credit check, no judgment
Sign up with an email. Your history doesn't decide your access.
Your money, not a loan
Every card spends only your own money. No debt, no interest, no traps.
Limits that protect you
No place can take more than you allowed, so a surprise charge never costs you rent. Need more? Raise it, as far as your money covers.
Straight answers
Banks speak in codes. Digna's assistant, built on Meta's Muse Spark, speaks like a person and tells you what to do next.
Private by default
We keep only what's needed, never sell your data, and you can delete everything in one tap.
Where Digna helps
Made for the moments your card gets turned away
One card for each place, each with its own limit. Paid from your Digna wallet, and works like a credit card.
Cloud bills
Cloud services bill you after you use them, so many take credit cards only. Make a Digna Bill Card just for that bill, with a limit, so it can never run over.
Hotel check-in
Hotels set money aside at check-in for damage or extras, and many turn away prepaid cards for it. Give the hotel its own card, with a limit that covers the stay and nothing more.
Car rentals
Rental counters hold a security deposit, and most only trust a credit card for it. A Digna Bill Card covers the deposit, and you can pause it in one tap when you bring the car back.
Coming soon
Member deals, coming soon
Digna is working on discounts for its members at the places that turn cards away most: hotels, resorts, airlines, car rentals and shops. These are examples of the kind of deals coming. None are live yet, Digna isn't partnered with these businesses, and today everything uses practice money.
HotelExample deal
Harbor Inn
15% off weekend stays
Book with your Digna hotel card and save on Friday and Saturday nights, with the check-in hold covered by the card's limit.
ResortExample deal
Palm Cove Resort
4th night free
Stay three nights at the beach and the fourth is on the resort, paid from a card made just for the trip.
AirlineExample deal
North Sky Air
$40 off round trips
Save on round-trip flights booked with a Digna Bill Card, where a prepaid card is usually turned away.
Car rentalExample deal
RoadReady Rentals
Half-price deposit
Pick up a rental car with a smaller hold on your Digna Bill Card, and get it back in full when you return it.
ShopExample deal
Corner Market
5% back on groceries
Everyday buys at a neighborhood store, with 5% back to your Digna wallet.
ShopExample deal
Main Street Goods
Free shipping
Online orders shipped free when you pay with a Digna Bill Card made just for the shop.
Three steps
How it works
- 1
Create your account
Email and a password. You start with $250 in practice money.
- 2
Make a card
One for each place: name it, choose its limit and the day it stops.
- 3
Pay and stay in control
Use it at checkout. Pause it in one tap; it can never spend past its limit.
Pay a bill
Try it before you need it
Pay a bill has sample businesses that follow real-world rules: a cloud service that takes credit cards only, a hotel that turns away prepaid cards, a car rental counter and a streaming service. Pay with an example Chime debit card, Cash App Card or prepaid card, then with a Digna Bill Card, and see what each one says, and why.
Chime debit card (example)Nimbus Cloud · $32.00Declined: credit cards only
Prepaid card (example)Harborview Hotel · $150.00Declined: no prepaid cards
Digna Bill Card: Cloud hostingNimbus Cloud · $32.00Approved · $18.00 left of its limit
Under the hood
How the smart parts work
Digna runs on Meta's AI, quietly doing the paperwork so you don't have to.
It reads your bills
Even a crumpled bill on a messy table: Meta's SAM 3.1 finds it in the photo, then Muse Spark reads who it's from, how much and when it's due. PDFs and Word files work too.
It understands you
Type it, or tap the mic and just say it (Meta's Muse Voice Transcribe). Muse Spark answers like a person, and can change a card for you, but only after you press Confirm.
It explains every no
When a card is turned down, Digna says exactly why, and what to do next.
Every picture here
Drawn by Meta's Muse Image. The people in them are invented.
Good to know
Questions
Is this real money?
Not yet. Your account, cards and history are real and saved, but for now every dollar is practice money, so you can try everything without risk. Real cards are on the way, and we'll say so clearly here when they arrive.
What can I do today?
Make a free account and you start with $250 in practice money. Make cards with limits, pause or close them, raise a limit when you need more, and use Pay a bill to pay sample businesses with an everyday card or a Digna Bill Card and see what each would say, and why.
Why do hotels, car rentals and cloud services turn down Cash App, Chime or prepaid cards?
Usually it isn't about you or your money. Places that hold a deposit, or bill you after you use something, want a card that can't come up empty, so many only trust credit cards. The businesses on Pay a bill follow rules like these, so you can see exactly why a card gets turned down.
What does the money assistant use?
Meta's Muse Spark AI. It looks at your cards and recent payments and explains exactly why a payment was declined, and what to do next. It also reads your bills on Pay a bill.
Is Digna a bank?
No. Digna is not a bank. When real cards arrive, they'll come through a licensed card partner.
Who drew the pictures on this page?
Meta's Muse Image model. The people in them are invented.
Your money's good here.
Make a free account, get $250 in practice money, and see how it feels when a checkout finally says yes.