The rule engine
No tiering by feature. A free personal card gets the same engine as a program running millions.
| Rule | What it does | How it is enforced |
|---|---|---|
condition | If/else. True runs the then-branch, false the else — a false condition never declines. | branch control |
merchant_lock | Only at merchants you name. | card per purchase |
merchant_block | Never at merchants you name. | card per purchase |
mcc_block | Whole categories, allowed or denied. | processor controls |
amount_ceiling | No single purchase over your number. | funding |
spend_cap | A rolling total per day, week or month. | funding |
velocity | At most N purchases in a window. | funding |
time_window | Only between two hours, in your timezone. | funding |
max_uses | A fixed number of uses, then done. | funding |
cooldown | A required wait between purchases. | funding |
repeat | A while loop over the payment stream. Iterations count from the ledger; once the loop is complete, it declines. | funding |
approval_threshold | Above an amount, a person has to say yes. | funding |
new_merchant_review | Ask a person the first time anywhere new. | card per purchase |
per_merchant_spend_cap | A cap that applies to one merchant only. | card per purchase |
duplicate_charge_guard | Refuses an identical charge inside a window. | funding |
webhook_check | Your own endpoint decides. Any rule you can write. | your endpoint |
A rulebook