GuidesAPI ReferenceChangelog
Log In
Guides
Start typing to search…

Spending Controls

Background

Spending controls allow you to define transaction limits for issued cards, helping to prevent overspending and ensure compliance with business rules. This feature is supported across all card types, including both SINGLE and SHARE mode cards.

Purpose

To provide flexible per-transaction limit settings for card usage, enabling granular control over spending behavior at the card level.

Usage

  • Required: Optional

  • Type / Format: Array of spending rules

  • Implementation Details:

    • The spending limit must be greater than 0 and must not exceed the system-defined maximum authorization threshold.

    • Only the PER_TRANSACTION interval is currently supported.

    • The currency used in spending controls matches the currency of the card (card_currency).

    • When omitted in the Create Card request, the system will default to the account-level maximum per-transaction authorization limit.

Example

{
    "spending_controls": [
        {
            "amount": 1001.00,
            "interval": "PER_TRANSACTION"
        }
    ]
}

When updated, the change is effective only after the card.update.succeeded webhook is received.

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.update.succeeded",
  "event_id": "c1075a0a-264f-4a37-b304-83763baede36",
  "source_id": "d3fa27d0-5f54-4605-8052-3aca5ed1850f",
  "data": {
    "available_balance": "2100.02",
    "card_bin": "40963608",
    "card_currency": "SGD",
    "card_id": "729a203b-7491-4a1b-9aff-fa9978279f46",
    "card_limit": "2100.02",
    "card_number": "40963608****8938",
    "card_order_id": "d3fa27d0-5f54-4605-8052-3aca5ed1850f",
    "card_product_id": "ce90599f-d297-4d6e-8337-59b9d284d504",
    "card_scheme": "VISA",
    "card_status": "ACTIVE",
    "cardholder": {
      "cardholder_id": "4438b25d-caa7-4dcf-a8e0-970f05a7bf31",
      "cardholder_status": "SUCCESS",
      "country_code": "US",
      "create_time": "2025-05-27T13:54:11+08:00",
      "date_of_birth": "2000-11-11",
      "email": "[email protected]",
      "first_name": "marshalllll",
      "last_name": "hu",
      "number_of_cards": 30,
      "phone_number": "1234322111"
    },
    "form_factor": "VIRTUAL",
    "metadata": {
      "key1": "value1",
      "key2": "value2"
    },
    "mode_type": "SHARE",
    "no_pin_payment_amount": "SGD",
    "order_status": "success",
    "risk_control": {
      "allow_3ds_transactions": "Y"
    },
    "spending_controls": [
      {
        "amount": "1001",
        "interval": "PER_TRANSACTION"
      }
    ]
  }
}

Related Links

Updated 3 days ago