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How do spend controls apply to users and cards?

The Marqeta platform enables you to create spend controls that apply to an individual user or to a set of users associated with a specific card product. Additionally, Marqeta might create additional program-level controls, which apply to all users.

  • If a spend control is applied to the card product, it affects all users spending with a card associated with the card product. To define a control at the card product level, include a card product token in the spend control's association object.
  • If a spend control is applied to a single user, it affects only that user. To define a control at the user level, include a user token in the spend control's association object.

Each user to whom the spend control applies has their own available balance can spend up to the limits defined in the control.

 

Note: Controls cannot be applied to individual cards.

For more information, see Controlling Spending in Developer Guides.

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