Spend controls and overspend

An overspend may occur if a merchant clears more funds than authorized, or when a merchant clears funds without authorizing, resulting in the availableToSpend value to go into negative. Rollover is relative to a spendLimit.interval.

If there is any overspend at the end of the spendLimit.interval, this overspend is deducted in the upcoming intervals until the availableToSpend is back to a positive value. It is deducted from the availableToSpend at the beginning of the next interval.

Get started

Turn on the rollover policy

This feature is turned off by default and would need to be turned on for every managed cardManaged CardA payment card (virtual or physical) that can be created and managed through the Weavr platform. Cards can operate in prepaid mode (with their own balance) or debit mode (linked to a managed account). All cards must be assigned to a card assignee who is an Authorised User. spend limit. It can be configured by setting rolloverPolicy.rolloverNegative to TRUE when calling either the create or update spend rule:

POST/managed_cards/{id}/spend_rulesOpen API reference →

/managed_cards/123456789/spend_rules

{  "allowedMerchantCategories": [    "string"  ],  "blockedMerchantCategories": [    "string"  ],  "allowedMerchantIds": [    "string"  ],  "blockedMerchantIds": [    "string"  ],  "allowedMerchantCountries": [    "string"  ],  "blockedMerchantCountries": [    "string"  ],  "allowContactless": true,  "allowAtm": true,  "allowECommerce": true,  "allowCashback": true,  "allowCreditAuthorisations": true,  "rolloverPolicy": {    "rolloverNegative": false  },  "spendLimit": [    {      "startTimestamp": 1767225600000,      "value": {        "currency": "GBP",        "amount": 1250      },      "interval": "DAILY"    }  ],  "minTransactionAmount": 100,  "maxTransactionAmount": 50000}

PATCH/managed_cards/{id}/spend_rulesOpen API reference →

/managed_cards/123456789/spend_rules

{  "allowedMerchantCategories": [    "string"  ],  "blockedMerchantCategories": [    "string"  ],  "allowedMerchantIds": [    "string"  ],  "blockedMerchantIds": [    "string"  ],  "allowedMerchantCountries": [    "string"  ],  "blockedMerchantCountries": [    "string"  ],  "allowContactless": true,  "allowAtm": true,  "allowECommerce": true,  "allowCashback": true,  "allowCreditAuthorisations": true,  "rolloverPolicy": {    "rolloverNegative": false  },  "spendLimit": [    {      "startTimestamp": 1767225600000,      "value": {        "currency": "GBP",        "amount": 1250      },      "interval": "DAILY"    }  ],  "minTransactionAmount": 100,  "maxTransactionAmount": 50000,  "updateSpendLimitMethod": "OVERWRITE"}

There is also information about the rollover policy, by looking at ProfileLevelSpendRule.rolloverPolicy.rolloverNegative when fetching the list of spend rules via

GET/managed_cards/{id}/spend_rulesOpen API reference →

/managed_cards/123456789/spend_rules

Also available via Back-Office API

The same endpoints are available through the Weavr Back-Office API that allow you, to perform various back-office operations concerning customers and their instrumentsInstrumentA financial product owned by a customer. There are two types: Managed Accounts (stored-value accounts that hold balances and can receive wire transfers) and Managed Cards (prepaid cards - virtual or physical - used for purchases)., without requiring the users to be logged in.

How it works

Consider the following scenario:

I have a Spend Rule with a MONTHLY interval and a £100 Spend Limit with rolloverNegative TRUE. We are in January.

1. I start January with an Available To Spend of £100
2. During January I made a £95 worth of purchases leaving me with an Available To Spend at £5
3. On the last week of January, I receive a settlement of £15 that pushes my Available To Spend down to -£10
4. When February starts, my Available To Spend should be reading £90 and not £100

Now consider the following scenario:

I have a Spend Rule with a MONTHLY interval and a £100 Spend Limit with rolloverNegative TRUE. We are in January.

1. I start January with an Available To Spend of £100
2. Close to the end of January I get a settlement of £190
3. February starts, my Available To Spend is at -£90
4. I cannot make any purchases during February given that my Available to Spend is in negative
5. March starts my Available To Spend is at £10

Migrating existing cards to use the rollover policy

The update of the rollover policy is applicable on a card by card basis. You can either update each card individually or use the bulk operation to update multiple cards at once.

Update cards individually

You can specify the managed cardManaged CardA payment card (virtual or physical) that can be created and managed through the Weavr platform. Cards can operate in prepaid mode (with their own balance) or debit mode (linked to a managed account). All cards must be assigned to a card assignee who is an Authorised User. id in the following patch end point and set rolloverPolicy.rolloverNegative to TRUE:

PATCH/managed_cards/{id}/spend_rulesOpen API reference →

/managed_cards/123456789/spend_rules

{  "allowedMerchantCategories": [    "string"  ],  "blockedMerchantCategories": [    "string"  ],  "allowedMerchantIds": [    "string"  ],  "blockedMerchantIds": [    "string"  ],  "allowedMerchantCountries": [    "string"  ],  "blockedMerchantCountries": [    "string"  ],  "allowContactless": true,  "allowAtm": true,  "allowECommerce": true,  "allowCashback": true,  "allowCreditAuthorisations": true,  "rolloverPolicy": {    "rolloverNegative": false  },  "spendLimit": [    {      "startTimestamp": 1767225600000,      "value": {        "currency": "GBP",        "amount": 1250      },      "interval": "DAILY"    }  ],  "minTransactionAmount": 100,  "maxTransactionAmount": 50000,  "updateSpendLimitMethod": "OVERWRITE"}

Also available via Back-Office API

The same endpoints are available through the Weavr Back-Office API that allows you, to perform various back-office operations concerning customers and their instrumentsInstrumentA financial product owned by a customer. There are two types: Managed Accounts (stored-value accounts that hold balances and can receive wire transfers) and Managed Cards (prepaid cards - virtual or physical - used for purchases)., without requiring the users to be logged in.

Update multiple cards at once

You can specify a list of managed cardsManaged CardA payment card (virtual or physical) that can be created and managed through the Weavr platform. Cards can operate in prepaid mode (with their own balance) or debit mode (linked to a managed account). All cards must be assigned to a card assignee who is an Authorised User. in the following patch end point and set rolloverPolicy.rolloverNegative to TRUE:

PATCH/bulks/managed_cards/_id_/spend_rulesOpen API reference →

/bulks/managed_cards/_id_/spend_rules

[  {    "pathParams": {      "_id_": "234567890"    },    "requestBody": {      "allowedMerchantCategories": [        "string"      ],      "blockedMerchantCategories": [        "string"      ],      "allowedMerchantIds": [        "string"      ],      "blockedMerchantIds": [        "string"      ],      "allowedMerchantCountries": [        "string"      ],      "blockedMerchantCountries": [        "string"      ],      "allowContactless": true,      "allowAtm": true,      "allowECommerce": true,      "allowCashback": true,      "allowCreditAuthorisations": true,      "rolloverPolicy": {        "rolloverNegative": false      },      "spendLimit": [        {          "startTimestamp": 1767225600000,          "value": {            "currency": "GBP",            "amount": 1250          },          "interval": "DAILY"        }      ],      "minTransactionAmount": 100,      "maxTransactionAmount": 50000,      "updateSpendLimitMethod": "OVERWRITE"    }  }]

For more information on how to use bulk operationsBulk OperationsThe capability of grouping multiple individual API-based actions into a batch. Bulk operations allow you to execute hundreds or thousands of operations by making only one or two API calls, increasing throughput, accomplishing actions in a secure session, and reducing complexity in your application., see the bulk operations guide.

If you are still facing issues with using or implementing any of the preceding steps, contact Weavr Support or your account manager to put you in touch with our technical team who can facilitate card migration.