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# Manage Limits

This section outlines the process for retrieving and modifying card limits.

# Levels of Limits

Card limits are applied at two levels:

  • Cardholder Level: These limits apply to all cards issued to and owned by the cardholder.
  • Card Level: These limits apply to specific individual cards.

# Types of Limits

Both cardholder-level and card-level limits include:

  • ATM Withdrawal Limits: Daily and monthly limits for ATM withdrawals.
  • Spend Limits: Daily and monthly limits for card spending.

# Retrieval of card limits

Limits can be retrieved at both the cardholder and card levels.

To retrieve card limits for a specific card, use the following API request:

 




GET /v3/cards/eb241964-b719-49ff-86b1-c22aabe54040/limits

Content-Type: application/json
Authorization: Bearer <access_token>

Which responds with the following result:

 






























HTTP 200 OK

{
  "data": [
    {
      "amount": 3000,
      "max_amount": 100000,
      "period": "day",
      "type": "atm_withdrawal"
    },
    {
      "amount": 30000,
      "max_amount": 300000,
      "period": "month",
      "type": "atm_withdrawal"
    },
    {
      "amount": 3000,
      "max_amount": 1000000,
      "period": "day",
      "type": "card_spend"
    },
    {
      "amount": 30000,
      "max_amount": 3000000,
      "period": "month",
      "type": "card_spend"
    }
  ]
}

To retrieve cardholder limits, use the following API request:

 




GET /v3/cardholder/79ddfe09-525d-4f93-b946-b9b709335ec5/limits

Content-Type: application/json
Authorization: Bearer <access_token>

Which responds with the following result:

 


























HTTP 200 OK

{
  "data": [
    {
      "amount": 100000,
      "period": "day",
      "type": "atm_withdrawal"
    },
    {
      "amount": 300000,
      "period": "month",
      "type": "atm_withdrawal"
    },
    {
      "amount": 1000000,
      "period": "day",
      "type": "card_spend"
    },
    {
      "amount": 3000000,
      "period": "month",
      "type": "card_spend"
    }
  ]
}

# Modification of Limits

Modifications to limits are restricted to card-level limits only.

TIP

Card limits can be changed only for cards in active or frozen statuses.

To update the card limits for a specific card, use the following API request:

 














PATCH /v3/cards/eb241964-b719-49ff-86b1-c22aabe54040/limits

Content-Type: application/json
Authorization: Bearer <access_token>

{
  "new_card_limits": [
    {
      "amount": 5000,
      "period": "day",
      "type": "atm_withdrawal"
    }
  ]
}

Which responds with a pending Consent:

 








HTTP 412 Precondition Failed

{
  "consent": {
    "id": "16c8f81e-3be0-429c-88ac-0de5a837a0b4",
    "status": "pending"
  }
}

Proceed with the Consent as explained in the SCA section.

If the requested limits match the existing limits, the API returns the current limit values.

# UI Design Recommendations

We recommend displaying both levels of limits to the cardholder. For the selected card, you can structure the UI as follows:

  • ATM Withdrawal Limits:
    • Card Limits:
      • amount: Reflects the current set value (with a control for the cardholder to modify it on the UI).
      • max_amount: Reflects the maximum permissible amount that can be set.
    • Cardholder Limits:
      • amount: Reflects the ATM withdrawal limit for all the cards owned by the cardholder. A note should be included on the UI explaining that this limit applies across all cards to ensure the cardholder is aware.
  • Spend Limits: Follow the same structure as ATM Withdrawal Limits.
Card limits

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