# Spending cards

Create and manage virtual spending cards for your customers.

Spending cards are currently in a closed beta. [Contact Moov](https://moov.io/contact/) for more information.

Moov enables you to instantly issue virtual cards on the Visa network, empowering a broad range of embedded spending and expense management solutions such as:

- Replacing traditional checks for bill payments
- Providing rapid access to funds from merchant processing
- Facilitating immediate payments to vendors

Spending cards facilitate a specific use case: your Moov account is a platform that enables customers to accept payments and use those funds for business-related purchases and your customer is a business that will use a virtual card to make payments with funds from its Moov wallet.

Navigate to the **Spending cards** section of the Dashboard to create and manage spending cards.

![View of spending cards in Moov's Dashboard](./images/spending-card-table.png)

## [Prerequisites](#prerequisites)

- Business customers have been onboarded with the **card issuing** [capability](/guides/dashboard/accounts/onboarding-links/#capabilities)
- Business customer's Moov wallet has been funded with a [balance](/guides/dashboard/wallet/)

## [Create a spending card](#create-a-spending-card)

A card-issuing wallet is automatically created for each account when the **card issuing** capability is enabled. Card-issuing wallets can be loaded with funds from another source, typically with a wallet-to-wallet transfer from the default wallet.

Your customer's card-issuing wallet will be used as the funds source for the issued card. Only funds in the card-issuing wallet can be used with issued cards.

When you create a spending card, you can set the following:

| Setting               | Description                                                                                                               |
|-----------------------|---------------------------------------------------------------------------------------------------------------------------|
| Single use            | Set to automatically close the card after the first authorization. Once a card is issued, this setting cannot be changed. |
| Limits                | Set limits such as specific amounts or transaction counts for a period of time such as every day or per transaction       |
| Category restrictions | Allow or block certain merchant categories such as advertising and gambling                                               |
| Merchant restrictions | Allow or block specific merchants, independent of merchant category restrictions                                          |
| Spend schedule        | Set spend schedules such as certain days of the week or a specific time of day                                            |
| Spend cutoff          | Set a spend cutoff (expiry) date and time                                                                                 |

## [View and manage spending cards](#view-and-manage-spending-cards)

Navigate to **Spending cards > Cards** to view cards and their authorized users. New authorized users / employees will need to be [onboarded](/guides/dashboard/accounts/onboarding-links/) to use their card and access the Dashboard.

Click on a card to view details like spend controls. Click **View activity** to view a card's activity.

![View of spending card details](./images/spending-card-details.png)

### [Freeze a card](#freeze-a-card)

If you freeze a card, it temporarily suspends the card and it cannot approve authorizations. A card can be switched between a frozen state and an active state as needed.

Click **Freeze** on the card details view to freeze a card.

### [Close a card](#close-a-card)

Closing a card permanently deactivates it and it can no longer approve authorizations. Click **More > Close card** on the card details view to close the card.

A card also automatically closes when it expires.

### [Edit card details](#edit-card-details)

Click **More > Edit card details** on the card details view to edit a card. You can update the following:

- Card name
- Controls (limits, restrictions, schedules)
- Spend cutoff (expiry date)

Note - once a card is issued, the single-use setting cannot be changed.

## [View card activity](#view-card-activity)

Navigate to **Spending cards > View activity** to view card activity. Search by card ID or sort by status:

- Cleared
- Pending
- Declined
- Canceled
- Expired

Click on a row item to view activity details. The tabs below show examples of a cleared and declined transaction.

[Cleared transaction](#tab-529467138-4-0) [Declined transaction](#tab-529467138-4-1)

![View of spending card transaction cleared](./images/spending-card-txn-cleared.png)

![View of spending card transaction declined](./images/spending-card-txn-declined.png)