pps-platform-spend-control

Overview

The Spend Control API provides the ability to create and manage Spend Policies, and to assign them to Cards, Accounts and Product Classes to be enforced at Transaction Authorisation time.

Spend Policies

Spend Policies are a collection of rules that will be enforced when authorising a Transaction, to control some of the aspects of spend for a product.

The different types of rules are highlighted below:

• Spend Amount Limits - Limits to the amounts involved in authorisations, including a limit on the maximum value of a single transaction, and limits on the total spend over different periods of time (daily / weekly / monthly / yearly)
• Spend Count Limits - Limits to the total number of spend authorisations over different periods of time (daily / weekly / monthly / yearly)
• Time Restrictions - Restrictions on the time period during each weekday during which authorisations will be allowed or declined
• Date Restrictions - Restrictions on calendar dates and date ranges during which authorisations will be allowed or declined
• Accceptance Method Restrictions - Restriction on the Acceptance Methods that can be used for authorisation
• Country Code Restrictions - Restriction on the Countries in which authorisations can be accepted

Where limits are tracked over periods of time, such as daily limits, they can be tracked either against each Card, or each Card in each Merchant Store that it is used in.

Spend Policy Assignments

Spend Policies can be assigned to a few different resources - Card, Accounts and Product Classes. Spend Policies assigned at the more granular level will override those assigned at higher levels (Card -> Account -> Product Class).

Assignments are made to specific balance codes with the resource, which identified the Wallet to which it applies.