Multicontrol function

The Dock platform enables you to control the spending for the holder’s cards, which allows employing multiple rules.

The combination of these rules results in a robust spending management for the card.
You can control the spending for a card based on:

Where the card spends: through commerce category controls;

How much the card spends: through transaction amount controls set frequently, that is, spending limit controls on a daily, weekly and monthly basis;

How the card spends: through transaction type controls, such as withdrawals, e-commerce purchases, international purchases, purchases using the card’s magnetic strip, purchases using contactless mode and purchases using digital wallets.

The following example illustrates some of these possibilities:

FIG: Sample of controls that can be assessed when authorizing a card’s transactionFIG: Sample of controls that can be assessed when authorizing a card’s transaction

FIG: Sample of controls that can be assessed when authorizing a card’s transaction


Creating controls for limiting where the cards are allowed to spend

In order to limit where the cards are allowed to spend, you can use MCC (Merchant Category Code) or MCG (Merchant Category Group) groups.

MCC are codes that allow you to sort traders by specific categories based on the type of business, commerce or services provided. The numbers are specified by ISO 18245: 2003 and only applied to trader categories that are sources of financial transactions in retail.

MCG are identifiers grouping multiple MCC in the same category, such as:

MCC group identifier

MCC group description

MCC identifier

MCC description

47

T&E Hotel

3503

SHERATON HOTELS

47

T&E Hotel

3504

HILTON HOTELS

47

T&E Hotel

...

...

46

T&E Rental Cars

3355

SIXT CAR RENTAL

46

T&E Rental Cars

3357

HERTZ

46

T&E Rental Cars

...

...

Registering and managing

Maintaining


Creating controls for limiting how much cards are allowed to spend

In order to limit how much cards are allowed to spend, you can set controls that watch for the total amount or the number of transactions, by type, that are made in a certain period, according to the rules below:

• Maximum value (total amount) the card is allowed to spend per day;
• Maximum value (total amount) the card is allowed to spend per week;
• Maximum value (total amount) the card is allowed to spend per month;
• Number of transactions the card is allowed to make per day;
• Number of transactions the card is allowed to make per week;
• Number of transactions the card is allowed to make per month;

You’ll be able to use only one of the rules above or even combinations of them, such as:

A card can be set to withdraw up to $120 per day, but can’t exceed $300 per week.
Therefore, if the card spends $100 on Sunday, Sept 12th, $80 on Tuesday, Sept 15th, and then $120 on Wednesday, Sept 9th, it can’t have any additional spending until Saturday, Sept 19th at 11:59pm. The card will be available to make transactions as of Sunday, Sept 20th at 12am.

📘

Note

The Dock platform factors for the daily limit from 12am to 11:59pm, the weekly limit from Sunday at 12am to Saturday at 11:59pm, and the monthly limit from the first day of the month at 12am to the last day of the month at 11:59pm.

Registering and managing

Maintaining


Creating controls for limiting how cards are allowed to spend

In order to limit how cards are allowed to spend, you can set controls from transaction type channels, as the options below:

• Transactions for international and national purchases on e-commerce;
• Transactions for withdrawals;
• Face-to-face transactions without password;
• Transactions for national purchases using the card’s magnetic strip;
• Transactions for national purchases using the card’s chip;
• Transactions for national purchases using the card’s contactless mode;
• Transactions for international purchases;
• Transactions for international purchases using the card’s magnetic strip;
• Transactions for international purchases using the card’s chip;
• Transactions for international purchases using the card’s contactless mode.

Registering and managing

You’ll need to set a relationship between the card and respective rules for transaction types, which will allow or deny a card’s spending. You can do so by using the endpoint Assign channel to card.

Maintaining


Did this page help you?