Card Limits

Before You Start

Read the following guides before proceeding:

Guide	Why
Getting Started	Platform overview and setup
Api Basics	Required headers and request configuration
Authentication	How to obtain access tokens
Onboarding	User and wallet registration
KYC	KYC verification requirements

Overview

Card limits control how much can be spent using a card. Four independent limits exist:

Daily — maximum spend per calendar day
Monthly — maximum spend per calendar month
Per-transaction — maximum amount of a single transaction
Lifetime — cumulative maximum over the life of the card

Daily, monthly, and per-transaction limits are settable through the API. The lifetime limit is read-only — it is returned when reading a card but cannot be set through the partner API.

All limits share the same value semantics: a positive number is a hard cap, -1 means no limit, and 0 blocks all spending.

When Limits Reset

Resets happen at fixed calendar boundaries in UTC, not on rolling windows:

Daily usage resets at 00:00 UTC every day.
Monthly usage resets at 00:00 UTC on the 1st of each month.
Lifetime usage never resets — it accumulates for the life of the card.
Per-transaction has no usage counter; each transaction is checked against the limit individually.

Get Current Limits

Card limits are returned as part of the card response when retrieving card details.

GET /api/v1/cards/{cardId}

The response includes a limit object:

{
  "id": "64120850-73a1-4df5-a074-d463258c9deb",
  "status": "Active",
  "limit": {
    "daily_limit": 1000.00,
    "daily_usage": 250.00,
    "monthly_limit": -1,
    "monthly_usage": 500.00,
    "lifetime_limit": -1,
    "lifetime_usage": 1500.00,
    "currency": "EUR"
  }
}

Field	Description
`daily_limit`	Maximum daily spend. `-1` means no limit.
`daily_usage`	Amount already spent today
`monthly_limit`	Maximum monthly spend. `-1` means no limit.
`monthly_usage`	Amount already spent this month
`lifetime_limit`	Maximum lifetime spend. `-1` means no limit.
`lifetime_usage`	Total amount spent on this card
`currency`	Limit currency (EUR)

The transaction_limit is not included in this response; it is returned in the limit webhook.

Set Limits

Update one or more limits for a card.

PUT /api/v1/cards/{cardId}/limit

Request

Send only the limits you want to change. Omitted fields keep their current value. Set a field to -1 to disable that limit.

{
  "daily_limit": 1000.00,
  "monthly_limit": 20000.00,
  "transaction_limit": 500.00
}

Field	Type	Required	Description
`daily_limit`	number	No	Maximum spend per calendar day. `-1` disables.
`monthly_limit`	number	No	Maximum spend per calendar month. `-1` disables.
`transaction_limit`	number	No	Maximum amount of a single transaction. `-1` disables.
`limit`	number	No	Obsolete alias for `daily_limit`. Use `daily_limit` instead.

The lifetime_limit cannot be set through this endpoint. Including it is accepted (200 OK) but ignored, and the value stays unchanged. Limits are also not settable at card issuance — a new card starts with all limits at -1.

Code Examples

await fetch(`${baseUrl}/api/v1/cards/${cardId}/limit`, {
  method: 'PUT',
  headers: {
    'Authorization': `Bearer ${accessToken}`,
    'X-User-Wallet': userEoaAddress,
    'X-Chain-Id': chainId,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    daily_limit: 1000.00,
    monthly_limit: 20000.00,
    transaction_limit: 500.00
  })
});

requests.put(
    f"{base_url}/api/v1/cards/{card_id}/limit",
    headers={
        "Authorization": f"Bearer {access_token}",
        "X-User-Wallet": user_eoa_address,
        "X-Chain-Id": chain_id,
        "Content-Type": "application/json"
    },
    json={
        "daily_limit": 1000.00,
        "monthly_limit": 20000.00,
        "transaction_limit": 500.00
    }
)

body, _ := json.Marshal(map[string]float64{
    "daily_limit":       1000.00,
    "monthly_limit":     20000.00,
    "transaction_limit": 500.00,
})
req, _ := http.NewRequest("PUT", baseURL+"/api/v1/cards/"+cardID+"/limit", bytes.NewBuffer(body))
req.Header.Set("Authorization", "Bearer "+accessToken)
req.Header.Set("X-User-Wallet", userEoaAddress)
req.Header.Set("X-Chain-Id", chainId)
req.Header.Set("Content-Type", "application/json")

http.DefaultClient.Do(req)

Response

Empty response on success (200 OK).

Disable a Limit

Set any limit to -1 to remove it. Other limits are unaffected. For example, to remove only the daily limit:

{
  "daily_limit": -1
}

Limit Webhooks

When card limits are updated, Wirex sends a webhook notification.

Endpoint: POST {your_webhook_base_url}/v2/webhooks/card-limits

{
  "card_id": "64120850-73a1-4df5-a074-d463258c9deb",
  "transaction_limit": -1,
  "daily_limit": 1000.00,
  "daily_usage": 250.00,
  "monthly_limit": -1,
  "monthly_usage": 500.00,
  "lifetime_limit": -1,
  "lifetime_usage": 1500.00
}

Field	Description
`card_id`	Card UUID
`transaction_limit`	Per-transaction limit (`-1` = no limit)
`daily_limit`	Daily spending limit (`-1` = no limit)
`daily_usage`	Amount spent today
`monthly_limit`	Monthly spending limit (`-1` = no limit)
`monthly_usage`	Amount spent this month
`lifetime_limit`	Lifetime spending limit (`-1` = no limit)
`lifetime_usage`	Total amount spent

Error Handling

Validation Errors

Error Reason	Error Details	Description
`ErrorMissingField`	`card_id: missing`	Card ID not provided
`ErrorInvalidField`	`card_id: invalid_uuid`	Card ID is not a valid UUID

Card Status Errors

Error Reason	Error Details	Description
`ErrorInvalidStatus`	`card_status: not_active`	Card must be active to change limits
`ErrorNotFound`	Card not found	Card does not exist or user doesn't own it

Error Response Format

{
  "error_reason": "ErrorInvalidStatus",
  "error_description": "Card is not active",
  "error_category": {
    "category": "CategoryValidationFailure",
    "http_status_code": 400
  },
  "error_details": [
    { "key": "field", "details": "card_status" },
    { "key": "issue", "details": "not_active" }
  ]
}