The Spending Control plugin helps financial institutions enforce custom validation rules and dynamic spending limits in real time. It integrates directly with the Midaz ledger to block risky transactions, reduce fraud, and support complex governance, all without slowing down your operation.

Why use the Spending Control plugin?

The Spending Control plugin gives you precise control over how transactions are validated. With sub-50ms response times and flexible rule management, you can detect fraud, enforce policies, and stay compliant without compromising user experience.

At its core, the plugin is built around two capabilities:

• Validation rules: Define rules that consider context like time, merchant category, location, and more.
• Spending limits: Apply dynamic limits by transaction, account, portfolio, or organization, with real-time tracking and automatic resets.

Solving control and compliance challenges

This plugin helps you stay ahead of fraud and policy breaches. Whether you need to cap spending, block suspicious activity, or prove compliance, it brings flexibility, speed, and transparency to every transaction.

Key capabilities

• Real-time validation with response times under 50ms

• Rule management for:

  • Merchant categories
  • Time-based restrictions
  • Velocity and volume limits
  • Geographic controls

• Dynamic spending limits:

  • Per transaction, account, portfolio, or organization
  • Daily, weekly, monthly, or custom timeframes

• Real-time usage tracking with auto-expiry

• Tamper-proof audit logs and compliance reports

• Built-in analytics for rules and usage

• Multi-tenant support with strict data isolation

Usage examples

The Spending Control plugin is ideal when you need to apply dynamic guardrails around how money moves in your system.

• Fraud prevention: Block suspicious transactions based on customizable risk rules
• Spending governance: Enforce usage policies across different levels of your organization
• Compliance: Meet audit and reporting requirements with built-in traceability
• Customer protection: Prevent overspending and misuse in real time

Integrations with Lerian plugins

The Spending Control plugin works seamlessly with other components of the Lerian ecosystem, including Midaz, CRM, Fee Engine, and Workflows.

• Trigger validations as part of a Workflow
• Apply limits based on CRM customer profiles
• Combine with Fee Engine to enforce transaction cost thresholds

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Note

This plugin is part of the Lerian Studio ecosystem and works seamlessly with Midaz and other core financial components.