Card-product controls
Last updated: July 30, 2025
You can apply spending controls at the level of the card product, which are then inherited by every linked card.
When setting up your card program, Checkout.com may apply immutable controls to a card product. These controls help protect you and us against fraud, and maintain a healthy spending budget.
You cannot update or delete immutable controls. However, you can apply stricter controls at the card level within the limits of the immutable control. For example, if Checkout.com has applied an immutable maximum lifetime spending limit of 100 EUR to a card product, you can apply a limit to a linked card of 80 EUR but not 150 EUR.
To check if a specific control is immutable, you can retrieve the control details via the API.
For more information about immutable controls applied to your card products, contact your account manager or request support.
Velocity controls limit how much cards can spend within a given timeframe. They can be cascading or cumulative.
Cascading velocity controls apply a maximum spend within a given timeframe to a card product, which applies separately to each linked card.
For example, if a monthly limit of 100 EUR is applied to the card product, the maximum spend per card is 100 EUR.
To enable cascading velocity controls, contact your account manager or request support.
Cumulative velocity controls apply a maximum spend within a given timeframe to a card product, which is shared between all linked cards.
For example, if a monthly limit of 100 EUR is applied to the card product and one of the linked cards spends 90 EUR, the available balance for all other linked cards is 10 EUR in total – not per card.
To enable cumulative velocity controls, contact your account manager or request support.
If multiple Allow controls apply to a card, they are applied cumulatively. That is, they do not block each other in order to avoid declined transactions.
This applies:
- To merchant identifier (MID) and merchant category code (MCC) controls
- When all the controls are created by the same owner – the owner can be you or Checkout.com
- Whether the controls are applied at card level, or inherited from a control profile or card product
For example, you create a control targeting a control profile that allows spending at airline and hotel MCCs only. You later apply another control to a specific card linked to that profile that allows spending for taxi MCCs only. Both controls cumulatively apply to the card, so it can only spend at airline, hotel, and taxi MCCs.