Factorial Cards give you complete control over how company funds are used. For each active card, Admins and Finance teams can define limits and restrictions to match company policies, prevent misuse, and make approvals more straightforward.
How to use
1. Accessing card controls
- In your sidebar, go to Treasury → Cards
- Locate the card you want to configure in the list
- Click the arrow icon on the right to open card details
- Select the Controls subtab

2. Setting spending limits
You can define a maximum spending allowance for each card:
- Limit: Define the maximum amount (in EUR) the cardholder can spend.
- Renewal period: Choose how often the limit resets (Daily, Weekly, Monthly, or Yearly).
Example: A project card may have a weekly cap of 500 EUR, while a subscription card could be set with a 100 EUR monthly limit.
3. Configuring category controls
Decide where a card can be used by selecting merchant categories:
- Allow all categories: No restriction - Card can be used everywhere.
- Allow specific categories: Select only the categories where payments should be accepted.
- Block specific categories: Prevent the card from being used in certain categories.
Example:
- A travel card could allow only transport and accommodation categories.
- A general office card could block entertainment or personal purchases.
These categories are directly read from the merchant PoS, they have nothing to do with the categories that have been set in Factorial for employees reporting expenses.
Tips and Best Practices
- Assign stricter limits for project-based or temporary cards.
- Use category restrictions to align card use with employee roles (e.g., travel vs. office expenses)
- Regularly review and adjust limits to reflect changing budgets.
FAQ
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Can I apply both a spending limit and category restrictions on the same card?
Yes, both can be combined to enforce stricter control.
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Do limits apply to virtual and physical cards?
Yes, limits and restrictions work the same way for both card types.
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Can I edit limits after a card is issued?
Yes, Admins and Finance can adjust or remove limits at any time from the Controls tab.
How to request, issue and assign cards
Automatic transaction linking
FAQs on lost cards, card blocks, etc.