Overview
Many teams need more than one spending rule on the same card - for example a weekly and a monthly limit, or different limits for online vs in-store spend.
Advanced card limits let you add multiple limits on one card, each with its own amount, frequency, and optional scope (transaction category or payment method).
Turn on advanced limits
An owner or admin must enable the Advanced Card Limits feature module (under Settings). Availability can depend on your subscription - ask your admin if you do not see it.
If the module is off, you can set the overall (default) spend limit and an additional per-transaction limit. The per-transaction limit is currently mandatory.
If the module on, you can add additional limits with finer scopes (category and/or payment method) when issuing or editing a card. In addition, you can add a transaction count limit for all limits.
Available Settings
Each limit is defined by scope, frequency, amount, and transaction count. The default card limit, which is mandatory, always considers all transaction types and channels and cannot have a more narrow scope.
Multiple frequencies
You can stack several limits with different frequencies - for example €20 per month and €200 per quarter. This allows for maximum control over different spending periods.
Transaction count limit
You can set the maximum number of transactions allowed per period. Once the limit is reached, the card is locked. Card checks, declined transactions, reversals, and refunds do not count towards the limit.
The transaction count limit is optional and can be left blank.
Scope
You can choose one of the following scopes, or combine them:
Transaction category: Set a spend limit for transactions falling into one or more transaction categories. Spend outside that category does not use that limit’s budget.
Payment method: Set a spend limit for transactions made through specific channels - e.g. online, contactless, mobile wallet. Other methods do not consume that limit’s budget.
One limit can be defined by both a category and a method - for example “Food & Beverage only when contactless” or “Travel & Accommodation only online,” so the limit applies only to these combinations.
Typical uses:
Trip or project cards with buckets (e.g. €2,000 per month total with €1,000 travel, €200 meals, €100 events).
Tight online limit with higher in-person limit.
Step-by-step
Create a new card
Open the Create card flow.
Set the default limit (mandatory).
Set the per transaction limit (mandatory).
Add rows for extra limits (scope, frequency, amount, and count).
Approve a request
Approval policies (if your organization uses them) check the default / overall limit against the policy, not every advanced card limit.
Edit limits on an existing card
Open the card detail and click Change limits.
Adjust rows and save.
Check card history if something looks off after a change.
