Spending Limits

How limits work

Every SKOOR card has two configurable limits: a daily limit and a monthly limit. The daily limit resets at midnight UTC. The monthly limit resets on the first of each calendar month. When either limit is reached, the card automatically declines any further transactions until the relevant period resets.

Per-card limits cannot exceed your account-level credit limit, which is determined by your Business Health Score. If your account limit is $5,000/day and you set a card to $3,000/day, the remaining $2,000 is available for other cards on the account.

Setting and editing limits

Set limits when you issue a new card or edit them at any time from the card detail view in the dashboard. Navigate to Cards, select the card, and update the Daily Limit or Monthly Limit fields. Changes take effect immediately. No need to reissue the card or wait for a new billing cycle.

What happens when a limit is exceeded

• The transaction is automatically declined at the point of sale or checkout.
• The cardholder receives a push notification explaining the decline reason.
• The account admin receives an alert in the SKOOR dashboard.
• No fees are charged for declined transactions.

If a cardholder needs a temporary increase, an admin can raise the limit from the dashboard instantly. The cardholder can retry the purchase immediately after the adjustment.

Limits and your Business Health Score

Consistent spending within set limits signals responsible financial behavior to the SKOOR scoring engine. Cards that regularly hit their ceiling without going over contribute positively. Frequent limit increases requested due to overspending may indicate control gaps, which the SKOOR AI agent will flag with recommendations.