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All Collections📄 Spendesk cardsCard limits
📝 Spendesk Financial Services - Card limits
📝 Spendesk Financial Services - Card limits
Updated over a week ago

These are the standard limits that will apply to your cards if you are using Spendesk Financial Services cards (=if your card is a Visa Premium Business card).

Type of limit

Card type

Limit

Single transaction amount limit

Physical

10K€

Single transaction minimum amount

Physical

No minimum amount, but the merchant may apply a minimum amount.

Single transaction amount limit

Virtual - Single use

50K€

Single transaction amount limit

Virtual - Recurring use

50K€


Type of limit

Card type

Limit

Monthly payment amount limit (calendar)

Physical

50K€

Monthly payment amount limit (calendar)

Virtual - Single use

50€ (*single-use cards can only be used once).

Monthly payment amount limit (calendar)

Virtual - Recurring use

150K€


Type of limit

Card type

Limit

Single 'offline' transaction amount limit

Physical

200€

Single 'offline' transaction amount limit

Virtual - Single use

0€

Single 'offline' transaction amount limit

Virtual - Recurring use

0€

Note ✏️

Offline payments are transactions processed asynchronously.

The transaction is done without a 3DS confirmation or pin entered, and reconciled manually or automatically on the POS/console.

Most of the time, offline payments' amounts are due to the merchant and charged 'late': this excludes fraud cases.

These limits are actually defined at chip level. This has been defined with VISA.


Type of limit

Card type

Limit

Single cash withdrawal transaction amount limit

Physical

200€ (*it also depends on the ATM, as banks can implement their own limits)

Single cash withdrawal transaction amount limit

Virtual - Single use

0€

Single cash withdrawal transaction amount limit

Virtual - Recurring use

0€


Type of limit

Card type

Limit

Monthly cash withdrawals amount limit

Physical

2K€

Monthly cash withdrawals amount limit

Virtual - Single use

0€

Monthly cash withdrawals amount limit

Virtual - Recurring use

0€


Type of limit

Card type

Limit

Single contactless transaction amount limit

Physical

50€ (in France)

In general, it depends on the country's regulation and limits supported by the merchant.

Single contactless transaction amount limit

Virtual - Single use

0€

Single contactless transaction amount limit

Virtual - Recurring use

0€


Type of limit

Card type

Limit

Max number of contactless payments for a physical card (before having to enter the PIN again)

Physical

5

Note ✏️

This number corresponds to the number of consecutive contactless card payment that can be made without entering the PIN. Reaching the limit should lead to ask for the PIN to be entered & doing so will reset to 0 the number of contactless payments.


💻 Notifications ☎️

You will be informed if:

  • you have reached a single transaction amount's limits

  • you have reached monthly transactions' amount limits

  • you have reached your withdrawal cap (per withdrawal or monthly)

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