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Control every dinar, in real time.
Set per-card and per-account limits, merchant-category and velocity rules, and freeze in one tap — all enforced live at authorization.
Teams building on Gate to Pay
- Samsung
- Orange Money
- JFS
- Altibbi
- NatHealth
Overview
Dynamic spend controls let you decide exactly how, where and how much each card or account can spend — and change it instantly.
Apply limits, merchant-category and velocity rules per card, cardholder or account, freeze and unfreeze in one tap, and see every rule enforced live at the moment of authorization — on Gate to Pay’s CBJ-licensed infrastructure.
Why finance teams choose it.
Granular limits
Daily, monthly, per-transaction and lifetime limits per card or account.
Merchant & category rules
Allow or block by merchant category, merchant or channel.
One-tap freeze
Freeze, unfreeze or close a card instantly from the dashboard or API.
Enforced in real time
Every rule is applied live at authorization — no lag, no leakage.
Capabilities
Everything you need to stay in control.
Limits & rules per card
Set daily, monthly and per-transaction limits and rules for each card, cardholder or account — individually or in bulk.
- Amount & frequency limits
- Per-card or in bulk
- Instant changes
Merchant, category & velocity rules
Allow or block spend by merchant category, specific merchant, channel or velocity — enforced at authorization.
- Category & merchant rules
- Velocity & geo limits
- Live enforcement
Controls across teams & branches
Apply and monitor controls across departments and branches, with roles and a master admin view.
- Per-team & per-branch
- Roles & permissions
- Master-admin oversight
Per-branch alias & permissions · tracked by the master admin.
How it works.
Set the rules
Choose limits, categories and velocity per card or account.
Enforce live
Every rule is applied at the moment of authorization.
Adjust anytime
Change limits or freeze instantly from the dashboard or API.
Developers
Built for developers.
Create and update spend rules, freeze cards and read enforcement events via the API — sandbox credentials, SDKs and webhooks.
POST /v1/cards/{id}/controls · { "monthly_limit": 5000, "mcc_block": ["7995"] }Frequently asked.
What controls can I set?
Amount limits (daily, monthly, per-transaction, lifetime), merchant-category and merchant rules, channel and velocity rules, and instant freeze — per card, cardholder or account.
Are changes applied immediately?
Yes. Update a limit or freeze a card and it takes effect live, enforced at the next authorization.
Can I manage controls in bulk?
Yes — apply rules across many cards or accounts at once, and manage them per team or branch.
Where are rules enforced?
At authorization, in real time — so spend can’t exceed the rules you set.