Card controls and freezing
Freeze a card, set spending limits, block merchant categories and manage notifications from the Fundly web app.
Controls at a glance
Every Fundly card, virtual or physical, has the same set of controls. Changes take effect in seconds and apply to the next authorisation. Cards are issued by [PARTNER], and some controls are enforced by their systems, so a payment that was already approved before you changed a setting will still go through.
- Freeze and unfreeze. Temporarily block all new payments.
- Spending limits. Cap spend per transaction, per day or per month.
- Merchant category blocks. Block whole categories such as gambling or cash advances.
- Online-only toggle. Allow a card to be used online but not in person, or the reverse.
- Notifications. Real-time push for every approved or declined payment.
Freeze a card
Freeze a card if you cannot find it, if you see a payment you do not recognise, or if you simply want a pause.
- Sign in to the Fundly web app at app.fundly.xyz and open Cards.
- Select the card and choose Freeze.
- The card turns grey and shows Frozen.
While frozen, every new payment is declined. Refunds and reversals still arrive. Subscriptions will fail, and most merchants retry a few times before cancelling. To unfreeze, choose Unfreeze and confirm with your passcode or biometrics.
Set spending limits
- Select the card and open Limits.
- Choose Per transaction, Daily or Monthly.
- Enter an amount in your account currency and save.
Your own limits sit inside the limits of your verification level. On an Instant card you can lower the limits but not raise them past the Instant ceiling. Instant cards have monthly limits set by our partner and regulators. See Instant vs Verified.
Block merchant categories
Merchant category blocks use the category code that every merchant carries on the card network. Blocking a category declines any payment from a merchant in that category.
| Category | Typical use for blocking |
|---|---|
| Gambling | Self-control, or a card given to a family member |
| Cash advance and quasi-cash | Stop crypto purchases or money transfers on a card |
| Adult content | Family or shared cards |
| Travel and airlines | A card meant for subscriptions only |
Category codes are set by the merchant's acquirer, not by Fundly, so a merchant can occasionally be classified in a surprising way. If a legitimate payment is declined because of a block, remove the block, retry, then put it back.
Online-only and in-person toggles
On the card screen, switch Online payments or In-person payments on or off. A virtual card for subscriptions can be online-only. A physical card for a child or a helper can be in-person only, so the number is useless if it is copied.
Notifications
Real-time notifications are on by default. You get a push for every approved payment, every decline with the reason, and every refund. You can turn off approval notifications per card, but decline notifications stay on.
Related
- Declined transactions explains the decline reasons you may see in notifications.
- Account security covers two-factor authentication and device management.
Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.