Spending Controls
Spending controls can be used to block business categories or set spending limits (e.g NGN1,000 per authorization or NGN30,000 per month). This can be applied to cards by setting the spendingControls object at creation or by updating it later.
If you're using spending controls with real-time authorizations, spending controls run first and decline a purchase before the authorization.request event is sent to you, resulting in a declined authorization request.
Spending Control Object
| Field | Type | Description |
|---|---|---|
| channels | Object | Channels selection where card can be used. |
| allowedCategories | Array | List of categories of authorizations to allow. All other categories will be blocked. |
| blockedCategories | Array | List of categories of authorizations to decline. All other categories will be allowed. |
| spendingLimits | Array | List of objects that specify amount-based rules. |
Channels
To limit where the card can be used, set either true or false on the following variables.
| Field | Type | Description |
|---|---|---|
| atm | Boolean | Automated teller machine (ATM) withdrawals and transactions |
| pos | Boolean | Point of sales (POS) purchases |
| web | Boolean | Online purchases |
| mobile | Boolean | Mobile purchases |
Spending Limits
To limit the amount of money that can be spent, set spendingLimits within the spendingControls object to a list of objects with the following variables.
| Field | Type | Description |
|---|---|---|
| amount | Number | Maximum amount allowed to spend per interval set. |
| interval | Enum | Time interval to which the amount applies. This can either be per_authorization, daily, weekly, monthly, yearly, or all_time. |
| categories | Array | List of categories of authorizations to limit. Leaving this field empty will apply the limit to all categories. |
Default Spending Limit
If
spendingLimitsare not set, a default spending limit is applied to all cards.NGN Cards
Single Transaction Limit - NGN20,000 (ATM) | NGN500,000 (POS/WEB)
Daily Limit - NGN150,000 (ATM) | NGN500,000 (POS/WEB)USD Cards
Single Transaction Limit - USD0.00 (ATM) | USD0.00 (POS/WEB)
Daily Limit - USD0.00 (ATM) | USD0.00 (POS/WEB)
Limit a card's monthly spend
curl --location --request PUT 'https://api.sandbox.sudo.africa/cards/5f45f4d018ccd82774de7d07' \
--header 'Authorization: Bearer ••••••••••••••••••••••••••••••••••••CREE1M0EwQjgyMjI0NUE3QUM=' \
--header 'Content-Type: application/json' \
--data-raw '{
"spendingControls": {
"channels": {
"atm": true,
"pos": true,
"web": true,
"mobile": true
},
"allowedCategories": [],
"blockedCategories": [],
"spendingLimits": [{
"amount": 100000,
"interval": "monthly"
}]
}
}'
Limit a card's daily spend for specific categories
```bash
curl --location --request PUT 'https://api.sandbox.sudo.africa/cards/5f45f4d018ccd82774de7d07' \
--header 'Authorization: Bearer ••••••••••••••••••••••••••••••••••••CREE1M0EwQjgyMjI0NUE3QUM=' \
--header 'Content-Type: application/json' \
--data-raw '{
"spendingControls": {
"channels": {
"atm": true,
"pos": true,
"web": true,
"mobile": true
},
"allowedCategories": [],
"blockedCategories": [],
"spendingLimits": [{
"amount": 3000,
"interval": "daily",
"categories": ["6011"]
**** }]
}
}'
```
Updated almost 3 years ago