Set spending limits and guidelines

This article is intended for Admins. View Find my Spending limit to learn more about spending limits if you're not an admin. 

Note: 

• Spending limits are set per user. All transactions made with the user's cards (virtual and physical) will be counted towards the spending limit.
• Employees will be able to see their spending limit and the available amount to spend (lowest of the spending limit or the (sub-)wallet balance) in their Pleo app.

Default spending limits

These limits will apply to all new cardholders added to your Pleo account.

1. Navigate to Settings in the Pleo web app
2. Click on General
3. Click on Card defaults
4. Follow the on-screen instructions

Set spending limits

If you are on the Beyond plan, you can also add Spending guidelines for different categories that employees can view in the Pleo app. To add spending guidelines:

1. Navigate to Settings
2. Click on Spending Guidelines
3. Click Get started
4. Select a category to add guidelines to
5. Choose to write the guidelines yourself or with AI
6. Click Publish

Once published, your employees will be able to read and ask questions about the guidelines directly in the Pleo app.

Individual spending limits

1. Navigate to People in the Pleo web app
2. Select the cardholder
3. Click on Limits 

Types of Limits

• Per purchase limit
  Amount the cardholder can spend per purchase. If the purchase exceeds the limit the transaction will be declined.
  
  
• Monthly limit

  Amount the cardholder can spend per month. The last transaction going over the limit will go through.
  
  

• Total limit

  Amount the cardholder can spend, with no time limitation. Once exceeded, it has to be reset manually. 

  
  

• Temporary limit
  Temporary higher limit in case the cardholder needs to spend more than usual. When the set period is over the limit will be reverted.
  
  
• ATM withdrawals

  To allow or decline cash withdrawals.
  
  

• Spending days

  Select the days on which the cardholder is allowed to use their Pleo card, transactions on other days will be declined.
  
  

• Spending categories

  Select categories in which the cardholder can use their Pleo card, transactions in the disabled categories will be declined.

  
  

Requests for increased limit

Employees can request a temporary limit increase from the Pleo app, review and access the request:

1. You receive an email notification of the request
2. Navigate to Requests in the Pleo web app
3. Review the request in Pending
4. Approve or Declined the request

A temporary limit will be created automatically and the employee will receive a notification once the request has been reviewed.

Unfreeze card when limit is reached

To unfreeze cards, the spending limit for the individual needs to be increased. You can either increase the card limit or set a temporary limit.