Spending controls can be used to block merchant categories (e.g.,
bakeries) or set spending limits (e.g., 100 USD per authorization or 3,000 USD per month). They can be applied to both Cards and Cardholders either by setting their
spending_controls fields on creation or by updating them later.
spending_controls object has the following structure:
|array||List of categories of authorizations to allow. All other categories will be blocked.|
|array||List of categories of authorizations to decline. All other categories will be allowed.|
|array||List of objects that specify amount-based rules.|
Spending controls run before real-time authorizations and can decline a purchase before the
issuing_authorization.request is sent, resulting in a declined
Spending limit rules limit the total amount of spending for categories over intervals of time.
spending_limits field within
spending_controls is a list of objects that have the following structure:
|integer||Maximum spend, in the currency of the card. Amounts in other currencies are converted to the card’s currency when evaluating this control.|
|enum||Time interval to which the amount applies. See the Card spending_controls for the possible values.|
|array (optional)||List of categories this limit applies to. Omitting this field will apply the limit to all categories.|
A card’s spending limits apply across any cards it replaced (i.e., its replacement_for card and that card’s replacement_for card, up the chain). A cardholder’s spending limits apply across all of their cards.
Each spending limit only applies to its own categories. Spending limits alone do not block categories and should be used with either
blocked_categories to restrict spending to specific business types.
If there are overlapping spending limits (e.g., 100 USD per authorization for a cardholder and 50 USD per authorization for that cardholder’s card), the most restrictive spending control will apply.
Additional tips and fees can be posted at a later time, causing a spending limit to be exceeded.
The following examples demonstrate different uses of spending controls for cards and cardholders.