/ Guides / Cards / Card limits / Manage spending limits

Manage spending limits

A spending limit defines the maximum amount that can be spent on a card during a given time period. For example, £10 a day. When a spending limit on a card is updated, it does not reset the time period or the spending amount already used. Instead, the existing tracking continues as if the limit had not been changed. If a transaction is refunded, the refunded amount is reinstated to the spending limit, but the transaction still counts against the usage limit. For example, if a card has a weekly limit of £1,000, and the user spends £600, they have £400 remaining for that week. If you update the limit to £2,000, the system does not reset the spent amount. The user will now have £1,400 remaining for the rest of the week, not a fresh £2,000. If the £600 spent was refunded, the user will now have £2,000 remaining for the rest of the week. A card can have both a spending limit and a transaction limit. Learn more about transaction limits.

info

The endpoints described in this guide are currently in beta mode.

Create a spending limit

Post/v2/cards/{cardId}/spending-limits

Request

Use this request to create a new spending limit for a given card.

Sample requestRequest structure
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curl -i -X POST \
  'https://api.equalsmoney.com/v2/cards/e9293471-5eb3-4dbc-916c-dbaf9e2deefd/spending-limits?accountId=F12345&budgetId=775596ae-2624-40af-a9dc-9756110a4a03' \
  -H 'Authorization: ApiKey 9cd30b49-812e-46ac-a222-7ce73e9c9dbc' \
  -H 'Content-Type: application/json' \
  -d '{
    "amount": 100.5,
    "active": false,
    "currencyCode": "GBP",
    "limitTurnedOff": true,
    "limitWindow": "DAY"
  }'
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curl -i -X POST \
  'https://api.equalsmoney.com/v2/cards/{cardId}/spending-limits?accountId={accountId}&budgetId={budgetId}' \
  -H 'Authorization: ApiKey 9cd30b49-812e-46ac-a222-7ce73e9c9dbc' \
  -H 'Content-Type: application/json' \
  -d '{
    "amount": number,
    "active": boolean,
    "currencyCode": "string",
    "limitTurnedOff": boolean,
    "limitWindow": "string"
  }'

Path parameters

Parameter Description
cardId
string (uuid)
required		 The ID of the card that you want to create a new spending limit for.

Allowable values:
An existing cardId (<= 36 characters)

Query parameters

Parameter Description
accountId
string
required		 The ID of the account that the card is associated with.

Allowable values: An existing accountId
budgetId
string (uuid)
required		 The ID of the budget that the card is associated with.

Allowable values:
An existing budgetId (<= 36 characters)
personId
string (uuid)		 The ID of the person that the card belongs to.

Allowable values:
An existing personId (<= 36 characters)

Request body schema

Parameter Description
amount
number
required		 The amount that you want to set as the spending limit.

Allowable values:
A valid number
active
boolean		 Whether or not you want the spending limit to be active on Marqeta.

Allowable values:
true, false
currencyCode
string		 The currency that you want to set the spending limit on. Spending limits only apply to all currencies on the card when they are set in the base currency of the card.

Allowable values:
A valid currencyCode
limitTurnedOff
boolean		 Whether or not you want the spending limit to be turned off.

Allowable values:
true, false
limitWindow
string
required		 The time period for which the spending limits should apply.

Allowable values:
DAY, WEEK, MONTH, LIFETIME

Response

If your request is successful, you'll receive a 200 response. The available object will contain details about the remaining uses, amount, and number of days remaining until the limit resets.

Sample responseResponse structure
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{
  "id": "775596ae-2624-40af-a9dc-9756110a4a03",
  "amount": 100.5,
  "active": false,
  "limitTurnedOff": true,
  "limitWindow": "DAY",
  "currencyCode": "GBP",
  "available": {
    "uses": 0,
    "amount": 100.5,
    "daysRemaining": 1
  }
}
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{
  "id": "string",
  "amount": number,
  "active": boolean,
  "limitTurnedOff": boolean,
  "limitWindow": "string",
  "currencyCode": "string",
  "available": {
    "uses": number,
    "amount": number,
    "daysRemaining": number
  }
}

For more detailed information about this request and its response, see the API reference.

Retrieve a spending limit

Get/v2/cards/{cardId}/spending-limits

Request

Use this request to retrieve the spending limit for a given card, based on its id.

Sample requestRequest format
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curl -i -X GET \
  'https://api.equalsmoney.com/v2/cards/e9293471-5eb3-4dbc-916c-dbaf9e2deefd/spending-limits?accountId=F12345&budgetId=775596ae-2624-40af-a9dc-9756110a4a03' \
  -H 'Authorization: ApiKey YOUR_API_KEY_HERE'
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curl -i -X GET \
  'https://api.equalsmoney.com/v2/cards/{cardId}/spending-limits?accountId={accountId}&budgetId={budgetId}' \
  -H 'Authorization: ApiKey YOUR_API_KEY_HERE'

Path parameters

Parameter Description
cardId
string (uuid)
required		 The ID of the card that you want to retrieve a spending limit for.

Allowable values:
An existing cardId (<= 36 characters)

Query parameters

Parameter Description
accountId
string
required		 The ID of the account that the card is associated with.

Allowable values:
An existing accountId
budgetId
string (uuid)
required		 The ID of the budget that the card is associated with.

Allowable values:
An existing budgetId (<= 36 characters)
limit
integer		 The maximum number of results to return. For example, limit=25. By default, this is set to 100.

Allowable values:
[ 1 .. 1000 ]
offset
integer		 The number of items to skip before returning results. For example, offset=200. By default, this is set to 0.

Allowable values:
A valid integer
search
string		 The term(s) to search for. You can use this to filter the results.

Allowable values:
A valid string
personId
string (uuid)		 The ID of the person that the card belongs to.

Allowable values:
A existing personId (<= 36 characters)

Response

If your request is successful, you'll receive a 200 response.

Sample responseResponse structure
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{
  "id": "775596ae-2624-40af-a9dc-9756110a4a03",
  "amount": 100.5,
  "active": false,
  "limitTurnedOff": true,
  "limitWindow": "DAY",
  "currencyCode": "GBP",
  "available": {
    "uses": 0,
    "amount": 100.5,
    "daysRemaining": 1
  }
}
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{
  "id": "string",
  "amount": number,
  "active": boolean,
  "limitTurnedOff": boolean,
  "limitWindow": "string",
  "currencyCode": "string",
  "available": {
    "uses": number,
    "amount": number,
    "daysRemaining": number
  }
}

For more detailed information about this request and its response, see the API reference.

Update a spending limit

Put/v2/cards/{cardId}/spending-limits/{limitId}

Request

Use this request to update an existing spending limit for a card.

Sample requestRequest structure
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curl -i -X PUT \
  'https://api.equalsmoney.com/v2/cards/e9293471-5eb3-4dbc-916c-dbaf9e2deefd/spending-limits/0684fc07-4abc-46de-b664-da45ef3c4072?accountId=F12345&budgetId=775596ae-2624-40af-a9dc-9756110a4a03' \
  -H 'Authorization: ApiKey YOUR_API_KEY_HERE' \
  -H 'Content-Type: application/json' \
  -d '{
    "id": "775596ae-2624-40af-a9dc-9756110a4a03",
    "amount": 100.5,
    "active": false,
    "limitTurnedOff": true,
    "limitWindow": "DAY"
  }'
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curl -i -X PUT \
  'https://api.equalsmoney.com/v2/cards/{cardId}/spending-limits/{limitId}?accountId={accountId}&budgetId={budgetId}' \
  -H 'Authorization: ApiKey YOUR_API_KEY_HERE' \
  -H 'Content-Type: application/json' \
  -d '{
    "id": "string",
    "amount": number,
    "active": boolean,
    "limitTurnedOff": boolean,
    "limitWindow": "string"
  }'

Path parameters

Parameter Description
cardId
string (uuid)
required		 The ID of the card associated with the spending limit.

Allowable values:
An existing cardId (<= 36 characters)
limitId
string
required		 The ID of the limit that you want to update.

Allowable values:
An existing limitId (<= 36 characters)

Query parameters

Parameter Description
accountId
string
required		 The ID of the account that the card is associated with.

Allowable values:
An existing accountId
budgetId
string (uuid)
required		 The ID of the budget that the card is associated with.

Allowable values:
An existing budgetId (<= 36 characters)
personId
string (uuid)		 The ID of the person that the card belongs to.

Allowable values:
An existing personId (<= 36 characters)

Request body schema

Parameter Description
id
string (uuid)		 The new ID of the spending limit.

Allowable values:
A valid string
amount
number
required if no other body parameter provided		 The amount that you want to set as the spending limit.

Allowable values:
A valid number
active
boolean
required if no other body parameter provided		 Whether or not the spending limit is active on Marqeta.

Allowable values:
true, false
limitTurnedOff
boolean
required if no other body parameter provided		 Whether or not the spending limit is turned off.

Allowable values:
true, false
limitWindow
string
required if no other body parameter provided>		 The time period for which the spending limit should apply.

Allowable values:
DAY, WEEK, MONTH, LIFETIME

Response

If your request is successful, you'll receive a 200 response.

Sample responseResponse structure
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{
  "id": "775596ae-2624-40af-a9dc-9756110a4a03",
  "amount": 100.5,
  "active": false,
  "limitTurnedOff": true,
  "limitWindow": "DAY",
  "currencyCode": "GBP",
  "available": {
    "uses": 0,
    "amount": 100.5,
    "daysRemaining": 1
  }
}
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{
  "id": "string",
  "amount": number,
  "active": boolean,
  "limitTurnedOff": boolean,
  "limitWindow": "string",
  "currencyCode": "string",
  "available": {
    "uses": number,
    "amount": number,
    "daysRemaining": number
  }
}

For more detailed information about this request and its response, see the API reference.