Spend customization

Spend Customisation gives Admins granular control over what each card can and cannot be used for. Instead of a single spending limit, you can restrict or allow specific categories of merchants — per card. This feature is only available for Plus Plan Users.

This feature is available on the Plus plan only. See plan comparison →

The 7 Spending Categories

Every card can be toggled on or off for the following categories (only :

A green toggle means the category is enabled — the card can be used at merchants in that category. Switching a toggle off means any transaction at a merchant in that category will be declined.

How to Set Up Spend Customisation

Step 1: Log in to your Admin Dashboard and go to Cards

Step 2: Select the card you want to customise

Step 3: Find the Merchant Control settings panel

Step 4: Toggle each category on or off based on what you want to allow

Step 5: Click Save to apply your changes

⚠️ Please note: Changes can take up to 5 working days to take effect. Plan your restrictions in advance.

Three Ways to Use It

Scenario 1 - Restricting Specific Categories

In the example above, you will notice that all other categories is toggled on. Saving these changes would mean only two categories that are disable.

Gambling & Massage Parlors
Petrol & Car Wash

All attempts to use the Swipey Card at merchants related to these categories, will result in the transaction being Declined

Scenario 2 - Only Allowing Specific Type of Spend

In the example above, you will notice that "All Other Spend Categories" is toggled off. Saving these changes, means that apart from the 6 categories shown, the card cannot be used for other types of expenses!

Based on the 6 categories, you can further customize to switch some of them off. In the screenshot given, the card is enabled for only 2 types of expenses.

Petrol & Car Wash
ATM Withdrawal

Attempts to make purchases at other merchants apart from the 2 categories listed above will be Declined

Scenario 3 : Switching Off Merchant Control

In the example above, having card customization toggled off and saving these changes would indicate that this card has been cleared of any specific restriction placed.

This means that the card can be used regularly at any merchant, and any previous restriction will be overruled. Do this when you want to reset your Swipey Card back to its original setting.

Psstt! It may take up to 5 working days for your changes to be saved and restrictions to be applied to any card

You may also watch this short video on how to use spend customization:

Need Help?

If you’re unsure how to customise spend for each card you have issued:

💬 Chat with us on WhatsApp
📞 Book a 15 min call and we’ll guide you through best practices

Common Questions

How long do changes take to apply?

Up to 5 working days. If you need a restriction removed urgently, contact us on WhatsApp.

Can I set different restrictions for different cards?

Yes — Spend Customisation is set per card. Each card in your company can have its own unique configuration.

What happens if an employee tries to spend in a restricted category?

The transaction will be declined at the point of payment. The employee will not be able to complete the purchase.

Can employees see which categories are restricted on their card?

No — only Admins can view and manage Spend Customisation settings.

Spend Customization