Spend Controls

Fine-grained controls for what, where, and how much a card can spend.

PATCH/v1/cards/{id}

Body parameters

Field	Type	Description
`limits.daily_spend`	integer (minor units)	Rolling 24-hour spend ceiling.
`limits.monthly_spend`	integer (minor units)	Calendar-month spend ceiling.
`limits.per_transaction`	integer (minor units)	Maximum single authorisation amount.
`controls.atm_withdrawal`	boolean	Allow ATM cash withdrawals.
`controls.online_payments`	boolean	Allow e-commerce transactions.
`controls.contactless`	boolean	Allow tap-to-pay.
`controls.cross_border`	boolean	Allow transactions outside the UAE.
`controls.mcc_allowlist`	string[]	Only allow these merchant category codes.
`controls.mcc_blocklist`	string[]	Block these merchant category codes (ignored if allowlist is set).

Request

curl -X PATCH https://api.vaultspay.ae/v1/cards/card_01HX7... \
  -H "Authorization: Bearer sk_test_yourApiKeyHere" \
  -H "Content-Type: application/json" \
  -d '{
    "limits": { "daily_spend": 200000, "per_transaction": 50000 },
    "controls": { "cross_border": false, "mcc_blocklist": ["7995", "5993"] }
  }'

Common MCC codes

MCC	Category
5411	Grocery stores
5812	Restaurants
5541	Fuel stations
7995	Gambling
5993	Cigars & tobacco
4722	Travel agencies
4814	Telecom

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