Expensify Card Spend Rules
Expensify Card Spend Rules
Expensify Card Spend Rules let Workspace Admins approve or decline card transactions in real time before a transaction is authorized. Use Spend rules to control where cards can be used by restricting permitted currencies, transaction amounts, merchants, and merchant types.
Who can use Expensify Card Spend rules
- Workspace Admins can create, edit, and delete Expensify Card Spend rules.
- Cardholders can view Expensify Card Spend rules that apply to their cards but cannot modify them.
To create Spend rules, the workspace must have Rules enabled. Learn how to enable Workspace Rules.
What default protections apply to every Expensify Card
Default protections are applied to every Expensify Card and are evaluated before any Spend rules.
These protections:
- Apply to all Expensify Cards.
- Cannot be edited or removed.
- Cannot be overridden by Spend rules.
- Automatically decline transactions that match blocked merchant category codes (MCCs).
When you create Spend rules, they are applied in addition to these protections rather than replacing them.
You can view the default protections under Workspaces > [Workspace Name] > Rules.
How Expensify Card Spend rules are evaluated
For every transaction, Expensify returns a single decision: approved or declined.
Transactions are evaluated in the following order:
- Default protections are checked first. If a transaction matches a blocked MCC, it is declined.
- The card’s assigned Spend rules are checked next, if one exists.
- If the transaction passes the default protections and any assigned Spend rules, it is approved.
Cards without Spend rules are governed only by the default protections and any applicable card limits.
What you can configure in an Expensify Card Spend rule
A Spend rule is made up of the settings below. You can use any combination of them.
Permitted currencies
Use Permitted currencies to control which currencies a card can be charged in. The default is All currencies. You can instead select specific currencies to allow.
- The card’s settlement currency is always permitted, even when you select specific currencies.
- Charges in a currency that is not permitted are declined.
- To set specific currencies, the selected cards must settle in the same currency.
Max amount
Enter a maximum transaction amount. Any charge over this amount is declined, regardless of the merchant and merchant type restrictions.
To set a max amount, the selected cards must settle in the same currency.
Restrict merchants
Use Restrict merchants to control which merchants and merchant types a card can be used at. Choose one of three options:
- Off: No merchant restrictions apply. A charge is approved as long as it’s in a permitted currency and doesn’t exceed the max amount.
- Allow: Only charges at a merchant or merchant type you allow are approved (and only when they’re in a permitted currency and don’t exceed the max amount). Use this when a card should only be used at specific merchants or merchant types, such as travel-only, subscription, benefits, or vendor-specific cards.
- Block: Charges at a merchant or merchant type you block are declined. All other charges are approved, as long as they’re in a permitted currency and don’t exceed the max amount. Use this when a card should work broadly but certain merchants or merchant types should be restricted.
When Allow is selected, you configure Allowed merchants and Allowed merchant types. When Block is selected, you configure Blocked merchants and Blocked merchant types.
How to create Expensify Card Spend rules
- In the navigation tabs (on the left on web, on the bottom on mobile), go to Workspaces > [Workspace Name].
- Click Rules.
- Under Spend, click Add spend rule.
- Under Cards, click Choose cards and select one or more cards to apply the rule to.
- Under Spend rules, configure one or more of the following:
- Permitted currencies: Keep All currencies or select specific currencies.
- Max amount: Enter a maximum transaction amount.
- Restrict merchants: Select Off, Allow, or Block. When you select Allow or Block, set the merchants and merchant types to allow or block.
- Click Save rule.
Spend rules take effect immediately and are applied to future transactions on the selected cards.
How to edit or delete an Expensify Card Spend rule
After a rule is created, you can review, change, or remove it.
- Go to Workspaces > [Workspace Name] > Rules.
- Locate the card’s Spend rule.
- Select the rule to update its permitted currencies, max amount, merchants, or merchant types or mode.
- Click Save rule.
To remove a rule:
- Open the Spend rule.
- Click Delete rule.
After deletion, the card is governed only by default protections and any applicable card limits.
How to create an Expensify Card Spend rule while issuing a card
You can apply an Expensify Card Spend rule during card issuance so spending controls are active before the card is used.
Learn how to set up and manage Expensify Cards.
- In the navigation tabs (on the left on web, on the bottom on mobile), go to Workspaces > [Workspace Name] > Expensify Card and begin issuing a new card.
- On the Set card rules step, enable Add spend rule.
- Choose Copy existing to reuse an existing rule, or Create new to create a new one.
- Configure the Spend rule’s permitted currencies, max amount, and merchant restrictions.
- Complete the card issuance process.
The Spend rule is applied when the card is issued and is enforced from the card’s first transaction.
How to find a card or Spend rule using search
Use search to quickly locate a card or Spend rule.
- Go to Workspaces > [Workspace Name] > Rules.
- Use the search field to filter the list by card or rule.
FAQ
Do Spend rules apply to reimbursements or third-party cards?
No. Spend rules apply only to Expensify Card transactions. They do not apply to reimbursements, manually created expenses, or company cards from other providers.
Can a card have more than one Spend rule?
No. Each card can have only one Spend rule.
Can I set a max amount or specific currencies for cards that settle in different currencies?
No. To set a max amount or select specific permitted currencies, the selected cards must settle in the same currency. The card’s settlement currency is always permitted.
Can a Spend rule override the default protections?
No. Default protections (such as ATMs and gambling) are part of the Expensify Card program. They are always enforced and cannot be edited or overridden by a Spend rule.
Why is a card visible in more than one workspace showing the same Spend rule?
Spend rules are enforced at the card level. If a cardholder is a member of multiple workspaces and the card appears in each, the same Spend rule can be viewed and managed from each location.
What happens to a Spend rule when a card is replaced?
If a member loses a card or orders a replacement, Expensify automatically copies the Spend rule from the old card to the new one. Note that “Combo” cards from Expensify Classic always use the rule tied to the physical card; to set a separate rule for a virtual card, issue a new virtual card.
