Now Live: Per-Card Budgets, Category Limits, and Approval Workflows
Spending policies should not live in a handbook that nobody reads. They should enforce themselves — automatically, on every transaction, before the money moves.
Today we are shipping Spending Controls: per-card budgets, category limits, and configurable approval workflows that turn your spending policy from a document into a system.
The Problem with Manual Enforcement
Most businesses set spending policies and then rely on people to follow them. When someone does not, the finance team finds out weeks later during reconciliation. By then, the money is spent. The conversation is awkward. And nothing structurally changes.
This is not a people problem. It is a tooling problem. If your card infrastructure cannot enforce rules at the point of purchase, you are always going to be cleaning up after the fact.
What's New
Per-Card Budgets
Set daily, weekly, or monthly spending limits on any card. When the budget is reached, the card pauses automatically. No overdrafts. No guesswork.
Category Restrictions
Allow specific merchant categories — office supplies, software subscriptions, travel — and block everything else. A card issued for SaaS purchases will decline at a restaurant. No exceptions.
Approval Workflows
Configure thresholds that match how your team operates. Auto-approve transactions under $50. Require manager review for anything above $500. Route large purchases to finance. The rules apply consistently, every time.
Real-Time Policy Enforcement
Every transaction is checked against your policies before it settles. Out-of-policy spend is held for review — not rejected outright, not approved by default. Your team stays in control.
How It Works in Practice
Imagine you run a 50-person company. Your marketing team needs to buy ads. Your engineering team needs cloud infrastructure. Your office manager needs supplies. Each group has a different budget, different approved vendors, and different approval needs.
With Spending Controls, you issue each group its own cards with its own rules. Marketing gets a $10,000 monthly budget locked to advertising platforms. Engineering gets a $25,000 monthly budget for cloud providers. The office manager gets a $2,000 monthly card for supplies, auto-approved under $100 and requiring review above.
No one can overspend. No one can spend in the wrong category. And when something needs approval, the right person is notified immediately — not at the end of the quarter.
Available Now
Spending Controls are live for all Agent Financial customers today. Set up your first policy in under five minutes.
Put Your Spending Policy on Autopilot
Per-card budgets, category limits, and approval workflows — enforced automatically on every transaction.
Get Early Access