Processing

Fund transactions in real time, on your rules.

Decide at the moment of authorization whether and how to fund a transaction — in real time, against your balances, budgets and business rules.

Start nowContact sales
A fleet driver at a petrol station with a fuel card and a phone showing an approved, funded transaction within spend rules

Teams building on Gate to Pay

  • Samsung
  • Orange Money
  • JFS
  • Altibbi
  • NatHealth

Overview

Conditional funding lets you fund a transaction the moment it is authorized — deciding in real time, against your rules, whether to approve and where the money comes from.

When a transaction is authorized, Gate to Pay checks your rules and balances and funds it on demand from the right source — so you keep control of cash without pre-loading every card or account. On CBJ-licensed infrastructure.

Why teams fund on demand.

Fund on demand

Fund a transaction exactly when it happens — no idle pre-funded balances.

Rules decide

Approve and fund against budgets, limits and business rules you define.

Fund from any source

Draw from the account, budget or program that fits each transaction.

Keep cash working

Hold funds centrally and release them only when needed.

Capabilities

Everything you need to fund on demand.

Real-time funding decisions

At authorization, evaluate your rules and balances and fund the transaction on demand — or decline — in real time.

  • Decide at authorization
  • On-demand funding
  • Approve or decline
Conditional funding Real-time
Card authJOD 45.00
Rule · within daily budget
Funded from Operations
Approved · funded in real time

Rules & budgets

Fund only within the budgets, limits and conditions you set — per program, account or cardholder.

  • Budgets & limits
  • Per-program rules
  • Conditional approvals
Spend controls 3 rules active
Team spend · this month
JOD 3,680 / 5,800 limit
Operations · •••• 8821JOD 1,240 / 2,000
Marketing · •••• 4102JOD 760 / 2,000
Travel · •••• 7730JOD 1,680 / 1,800

Fund from the right source

Draw funding from the account, sub-account or program that should bear the cost of each transaction — chosen automatically by your rules.

  • Choose the funding source
  • Accounts, sub-accounts & programs
  • Full trail
Funding source Fund JOD 45.00
Operations accountAvailable JOD 60,000
Marketing budgetAvailable JOD 30,000
Central reserveAvailable JOD 120,000

Funded from the Operations account.

How it works.

01

Define funding rules

Set budgets, limits and conditions per program or account.

02

Evaluate in real time

At authorization, rules and balances are checked instantly.

03

Fund on demand

Approved transactions are funded from the right source.

Developers

Built for developers.

Receive an authorization webhook and return a funding decision in real time — sandbox credentials, SDKs and webhooks.

Read the docsGet sandbox access
API
POST /v1/authorizations/{id}/fund  ·  { "approve": true, "source": "acc_ops" }

Related services.

Authentication & AuthorizationDynamic Spend ControlsCorporate AccountsPrepaid Cards

Frequently asked.

What is conditional funding?

Instead of pre-loading balances, you fund a transaction at the moment it is authorized — only if it meets your rules — from the source you choose.

How are funding decisions made?

At authorization, Gate to Pay evaluates your budgets, limits and conditions (and can call your webhook) to decide whether and how to fund the transaction, in real time.

Where does the money come from?

From the account, sub-account or program you designate for each transaction — with a full trail of what funded what.

How is this different from spend controls?

Spend controls limit what a card can do; conditional funding decides, in real time, whether and from where to fund an approved transaction.

Let’s design your funding rules.

A discovery session with our team. No commitment.

Book a discovery call