Spend Restrictions
Givefront provides multiple ways to control spend on cards.
Spend Restrictions block unauthorized spend from happening. Spend Policies enforce receipt and memo collection after a transaction takes place.
Spend Restriction Basics
Givefront cards and budgets supports two main types of restrictions:
- Limit Restrictions: Enforce a maximum spend limit which resets on a defined interval
- Category Restrictions: Only allow spend from one or more predefined categories
In addition to a hard cap on spend, limit restrictions also support limit flexibility.
This allows budgets and cards to specify a target spend amount, while still allowing some over budget spend.
Example
Joan is issued an individual employee card for spend on meals, transportation, and office equipment. This card occasionally needs to accommodate expensive office supply purchases at physical storefronts, so the limit is set to $1,000 a week.
To reflect her use case, Joan's card is allowed to spend on two different budgets:
- A personal budget for meals and transportation with a limit of $150 a week
- A shared office budget which only allows transactions for general merchandise with a limit of $5,000 per month
Joan could theoretically spend up to $1,000 a week on restaurants, but her spend would not be able to be assigned to the office budget. This spend would be flagged as out of policy.
Available Spend Categories
Restrictions can be applied to the following spend categories. Each transaction has one and only one spend category.
Warning
A transaction's spend category is automatically determined by the merchant category code (mcc) that a business provides to Visa. Occasionally, a business may use a generic or inaccurate category code, causing transactions to appear in unexpected categories. While we use the most accurate data available, we recommend double checking the merchant spend category to ensure they match your expectations.
- Airlines - Air travel and airline services
- Car Rental - Car rental services
- Car Service - Auto maintenance and repair services
- Education - Educational services and materials
- Electronics - Electronic devices and equipment
- Gas Pump - Fuel pump transactions
- Gas Station - Gas stations and fuel purchases
- General Merchandise - General retail and merchandise
- Government - Government fees and services
- Hardware and Construction - Hardware stores and construction materials
- Insurance - Insurance premiums and coverage
- Legal - Legal services and attorney fees
- Lodging - Hotels and accommodation
- Medical - Healthcare and medical services
- Other - Transactions that don't fit other categories
- Parking - Parking fees and services
- Phone and Internet - Telecommunications and internet services
- Professional Services - Consulting and professional service providers
- Recreation and Entertainment - Entertainment and recreational activities
- Restaurants - Dining and food services
- Shipping - Shipping and delivery services
- Software - Software licenses and subscriptions
- Taxis and Rideshare - Taxi and rideshare services (Uber, Lyft, etc.)
- Transportation - General transportation services
- Travel Misc - Miscellaneous travel-related expenses
- Utilities - Electricity, water, gas, and other utilities
- Other - Anything that does not fit in an existing category
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