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 spendingLimits are 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"]
	****	}]
	}
}'
```