Setting Minimum Card Limits

You can set a minimum transaction amount when creating a card to add an extra layer of security. 

This helps ensure suppliers only charge the agreed amount and reduces the risk of fraud if card details are compromised. Fraudsters often attempt low value transactions, by setting a minimum transaction limit any authorisations below that amount will be declined.

Ways we can configure the Minimum Transaction Limit:

1.Account-Level Configuration 

We can set a minimum transaction limit that can be applied across all cards created under a specific account.

This is configured as a percentage of the card's total limit. For example, if the minimum limit is set at 90%, any transactions below 90% of the full card limit will be declined. 

2. Per-Card Configuration 

Minimum transaction limits can also be applied to specific cards created via the portal or API. 

In this case, the minimum is set as a fixed amount rather than a percentage. This will override any account-level setting for that card. 

If configuring via the API, please refer to the relevant API documentation for set up details.

Key information 

• Where a card has a scheduled limit change, the minimum transaction amount cannot be set to less than the smallest scheduled limit.
• The minimum transaction limit can not be edited after the card has been created. If you make a mistake, the card will need to be cancelled and reissued. 
• For cross currency transactions, the minimum transaction amount is fixed when the limit is set and won't change with fluctuations in exchange rate. 
• Minimum transactions are currently available for card created through our payment partner, Modulr.

If you would like access to the minimum transaction limit feature, please raise a ticket with our customer support team here.