Configure Velocity Controls

Overview

info

Spend rule & velocity control results may not be visible for up to 15 seconds after a Transaction Event. See Spend rule latency.

Velocity controls allow time boundary constraints to be applied to a spend rule. The following example explains the difference between velocity controls and spend rules:

The following example explains the difference between velocity controls and spend rules:

A payment card has a spend rule to decline all authorizations over $1,000.
For the same payment card, a velocity control is added to decline any authorizations that exceed $1,000 within a calendar week.
This creates a velocity control that enforces a weekly spending limit of $1,000.

The following graphic shows how a velocity control is created and applied at the card product and payment card levels:

Spend Controls

Velocity control windows

You can set velocity control time frames using several time windows. The following table describes available velocity control windows:

Velocity Rule Window	Description
DAILY	One calendar day, 00:00:00 UTC to 11:59.59:00 UTC
WEEKLY	One calendar week, UTC start of week (Monday) to UTC end of week (Sunday)
MONTHLY	One calendar month, UTC start of month to UTC end of month
NINETY_DAYS	90 calendar days moving window. One calendar day is from 00:00:00 UTC to 11:59.59:00 UTC
QUARTERLY	One calendar quarter, UTC start of quarter to UTC end of quarter
	Q1: Jan - March, Q2: April - June, Q3: July - September, Q4: October - December
YEARLY	One calendar year, UTC start of year to UTC end of year
PER_TRANSACTION	Velocity Rule is evaluated on every transaction individually
COOLDOWN_MINUTE	Cooldown period of one minute, e.g., with count rule of 1, cardholder must wait one minute between transactions
COOLDOWN_HOUR	Cooldown period of one hour, e.g., with count rule of 1, cardholder must wait one hour between transactions

Limits

You can add three spend rules to a velocity control. Additionally, velocity controls have limits at the card product, financial account, and payment card levels:

Card product: Limit of 10 velocity controls per card product
Financial account: Limit of 10 velocity controls per financial account
Payment card: Limit of 10 velocity controls per payment card

Velocity controls for authorized users

To create velocity controls for an authorized user, ensure that the spend rules for that authorized user were created with "userType": "AUTHORIZED_USER". Other than that, there is no difference from the standard velocity control.

Create velocity control

amount is required

An amount spend rule, or cumulative rule, is required to create a velocity control.

To create a velocity control, you must first create spend rules, one of which must be an amount rule. You can add up to three spend rules to a velocity control. Create the velocity rule with the spend rule IDs. Velocity controls authorize transactions based on whether the associated spend rule's conditions are met within the velocity control window.

The following example uses multiple spend rules to create a velocity control for airline purchases:

Create an amount limit spend rule for $1000.
Create a MCC spend rule for airline purchases.
Add both spend rules to a monthly velocity control.
Your velocity control will limit only airline purchases to $1000 a month.

Use the following mutation to create a velocity control:

CreateVelocityRule

Query

mutation CreateVelocityRule($input: CreateVelocityRuleInput!) {
  createVelocityRule(input: $input) {
    __typename
    ... on VelocityRule {
      id
      name
      version
      velocityRuleWindow
      cumulativeRule {
        id
      }
      spendRules {
        id
      }
      createdAt
      updatedAt
    }
    ... on UserError {
      errors {
        code
        errorPath
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}

Variables

{
  "input": {
    "name": "My Rule",
    "velocityRuleWindow": "DAILY",
    "cumulativeRule": {
      "id": "CUMULATIVE_RULE_ID",
      "version": "0"
    },
    "spendRules": [
      {
        "id": "SPEND_RULE_ID",
        "version": "0"
      }
    ]
  }
}

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Result

{
  "data": {
    "createVelocityRule": {
      "__typename": "VelocityRule",
      "id": "VELOCITY_RULE_ID",
      "name": "My Rule",
      "version": "0",
      "cumulativeRule": {
        "id": "CUMULATIVE_RULE_ID",
        "name": "dollar amount rule",
        "version": "0"
      },
      "spendRules": [
        {
          "id": "SPEND_RULE_ID",
          "name": "Merchant Rule",
          "version": "0"
        }
      ],
      "createdAt": "2021-08-12T21:09:25.475Z",
      "updatedAt": "2021-08-12T21:09:25.476Z"
    }
  }
}

Attach velocity control to a card product

Velocity controls can be attached to a card product or individual payment card. Attaching a velocity control to a card product applies the spend rules and velocity control to all financial accounts and payment cards for your card product.

Use the following mutation to create a velocity control for a card product:

AttachCardProductVelocityRule

Query

mutation AttachCardProductVelocityRule(
  $input: AttachCardProductVelocityRuleInput!
) {
  attachCardProductVelocityRule(input: $input) {
    __typename
    ... on VelocityRuleAssociation {
      velocityRule {
        id
        name
        version
        cumulativeRule {
          id
          name
          version
        }
        createdAt
        updatedAt
      }
      associatedTo {
        ... on CardProduct {
          id
        }
      }
    }
    ... on UserError {
      errors {
        code
        errorPath
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}

Variables

{
  "input": {
    "cardProductId": "CARD_PRODUCT_ID",
    "velocityRule": {
      "velocityRuleId": "VELOCITY_RULE_ID"
    }
  }
}

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Result

{
  "data": {
    "attachCardProductVelocityRule": {
      "__typename": "VelocityRuleAssociation",
      "velocityRule": {
        "id": "VELOCITY_RULE_ID",
        "name": "My Rule",
        "version": "0",
        "cumulativeRule": {
          "id": "CUMULATIVE_RULE_ID",
          "name": "dollar amount rule",
          "version": "0"
        },
        "createdAt": "2021-08-12T21:09:25.475Z",
        "updatedAt": "2021-08-12T21:09:25.476Z"
      },
      "associatedTo": {
        "__typename": "CardProduct",
        "id": "CARD_PRODUCT_ID"
      }
    }
  }
}

Attach velocity control to a payment card

Velocity controls can be attached to a card product or individual payment card. Velocity controls attached to a payment card only apply to that specific payment card.

Use the following mutation to attach a velocity control to a payment card:

AttachPaymentCardVelocityRule

Query

mutation AttachPaymentCardVelocityRule(
  $input: AttachPaymentCardVelocityRuleInput!
) {
  attachPaymentCardVelocityRule(input: $input) {
    __typename
    ... on VelocityRuleAssociation {
      velocityRule {
        id
        name
        version
        cumulativeRule {
          id
          name
          version
        }
        createdAt
        updatedAt
      }
      associatedTo {
        ... on PaymentCard {
          id
        }
      }
    }
    ... on UserError {
      errors {
        code
        errorPath
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}

Variables

{
  "input": {
    "paymentCardId": "CARD_PRODUCT_ID",
    "velocityRule": {
      "velocityRuleId": "VELOCITY_RULE_ID"
    }
  }
}

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Result

{
  "data": {
    "attachPaymentCardVelocityRule": {
      "__typename": "VelocityRuleAssociation",
      "velocityRule": {
        "id": "VELOCITY_RULE_ID",
        "name": "My Rule",
        "version": "0",
        "cumulativeRule": {
          "id": "CUMULATIVE_RULE_ID",
          "name": "dollar amount rule",
          "version": "0"
        },
        "createdAt": "2021-08-12T21:09:25.475Z",
        "updatedAt": "2021-08-12T21:09:25.476Z"
      },
      "associatedTo": {
        "__typename": "PaymentCard",
        "id": "CARD_PRODUCT_ID"
      }
    }
  }
}

Detach velocity control from a card product

balance reset

If you detach and re-attach a velocity, the balance on the "count" and "windows" of the velocity control will reset.

Use the following mutation to detach a velocity control from a card product:

DetachCardProductVelocityRule

Query

mutation DetachCardProductVelocityRule(
  $input: DetachCardProductVelocityRuleInput!
) {
  detachCardProductVelocityRule(input: $input) {
    __typename
    ... on VelocityRuleAssociation {
      velocityRule {
        id
        name
        version
        cumulativeRule {
          id
          name
          version
        }
        createdAt
        updatedAt
      }
      associatedTo {
        ... on CardProduct {
          id
        }
      }
    }
    ... on UserError {
      errors {
        code
        errorPath
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}

Variables

{
  "input": {
    "cardProductId": "CARD_PRODUCT_ID",
    "velocityRule": {
      "velocityRuleId": "VELOCITY_RULE_ID"
    }
  }
}

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Result

{
  "data": {
    "detachCardProductVelocityRule": {
      "__typename": "VelocityRuleAssociation",
      "velocityRule": {
        "id": "VELOCITY_RULE_ID",
        "name": "My Rule",
        "version": "0",
        "cumulativeRule": {
          "id": "CUMULATIVE_RULE_ID",
          "name": "dollar amount rule",
          "version": "0"
        },
        "createdAt": "2021-08-12T21:09:25.475Z",
        "updatedAt": "2021-08-12T21:09:25.476Z"
      },
      "associatedTo": {
        "__typename": "CardProduct",
        "id": "CARD_PRODUCT_ID"
      }
    }
  }
}

Detach velocity control from a payment card

balance reset

If you detach and re-attach a velocity, the balance on the "count" and "windows" of the velocity control will reset.

Use the following mutation to detach a velocity control from a payment card:

DetachPaymentCardVelocityRule

Query

mutation DetachPaymentCardVelocityRule(
  $input: DetachPaymentCardVelocityRuleInput!
) {
  detachPaymentCardVelocityRule(input: $input) {
    __typename
    ... on VelocityRuleAssociation {
      velocityRule {
        id
        name
        version
        cumulativeRule {
          id
          name
          version
        }
        createdAt
        updatedAt
      }
      associatedTo {
        ... on PaymentCard {
          id
        }
      }
    }
    ... on UserError {
      errors {
        code
        errorPath
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}

Variables

{
  "input": {
    "paymentCardId": "CARD_PRODUCT_ID",
    "velocityRule": {
      "velocityRuleId": "VELOCITY_RULE_ID"
    }
  }
}

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Result

{
  "data": {
    "detachPaymentCardVelocityRule": {
      "__typename": "VelocityRuleAssociation",
      "velocityRule": {
        "id": "VELOCITY_RULE_ID",
        "name": "My Rule",
        "version": "0",
        "cumulativeRule": {
          "id": "CUMULATIVE_RULE_ID",
          "name": "dollar amount rule",
          "version": "0"
        },
        "createdAt": "2021-08-12T21:09:25.475Z",
        "updatedAt": "2021-08-12T21:09:25.476Z"
      },
      "associatedTo": {
        "__typename": "PaymentCard",
        "id": "CARD_PRODUCT_ID"
      }
    }
  }
}

List velocity controls

Use the following query to find all velocity controls for your organization:

NodeOrganizationWithVelocityRules

Query

query nodeOrganizationWithVelocityRules($id: ID!, $velocityRulesFirst: Int) {
  node(id: $id) {
    __typename
    ... on Organization {
      id
      velocityRules(first: $velocityRulesFirst) {
        pageInfo {
          hasNextPage
          hasPreviousPage
        }
        edges {
          node {
            __typename
            ... on VelocityRule {
              id
              name
            }
          }
        }
      }
    }
  }
}

Variables

{
  "id": "ORGANIZATION_ID",
  "velocityRulesFirst": 1
}

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Result

{
  "node": {
    "id": "ORGANIZATION_ID",
    "velocityRules": {
      "pageInfo": {
        "hasNextPage": false
      },
      "edges": [
        {
          "node": {
            "__typename": "VelocityRule",
            "id": "VELOCITY_RULE_ID",
            "name": "My Velocity Rule"
          }
        }
      ]
    }
  }
}

Find velocity control balance

Velocity controls track how much money has been spent within a certain window to help troubleshoot declined transactions. You can check the "balance" of a velocity control for a payment card or financial account. The balance reflects the total amount spent.

Use the following query to find the velocity control balance on a financial account:

NodeFinancialAccountWithVelocityBalance

Query

query nodeFinancialAccountWithVelocityBalance($id: ID!) {
  node(id: $id) {
    __typename
    ... on FinancialAccount {
      id
      velocitySpendRuleBalances {
        ... on VelocitySpendRuleAmountBalance {
          __typename
          currentBalance {
            currencyCode
            value
          }
          remainingBalance {
            currencyCode
            value
          }
          velocityRule {
            id
            version
            name
          }
        }
      }
    }
  }
}

Variables

{
  "id": "FINANCIAL_ACCOUNT_ID"
}

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Result

{
  "node": {
    "id": "FINANCIAL_ACCOUNT_ID",
    "velocitySpendRuleBalances": {
      "currentBalance": {
        "value": "200",
        "currencyCode": "USD"
      },
      "remainingBalance": {
        "value": "400",
        "currencyCode": "USD"
      },
      "velocityRule": {
        "id": "VELOCITY_RULE_ID",
        "name": "My Rule",
        "version": "0"
      }
    }
  }
}

Overview​

Velocity control windows​

Limits​

Velocity controls for authorized users​

Create velocity control​

CreateVelocityRule​

Attach velocity control to a card product​

AttachCardProductVelocityRule​

Attach velocity control to a payment card​

AttachPaymentCardVelocityRule​

Detach velocity control from a card product​

DetachCardProductVelocityRule​

Detach velocity control from a payment card​

DetachPaymentCardVelocityRule​

List velocity controls​

NodeOrganizationWithVelocityRules​

Find velocity control balance​

NodeFinancialAccountWithVelocityBalance​

Overview

Velocity control windows

Limits

Velocity controls for authorized users

Create velocity control

CreateVelocityRule

Attach velocity control to a card product

AttachCardProductVelocityRule

Attach velocity control to a payment card

AttachPaymentCardVelocityRule

Detach velocity control from a card product

DetachCardProductVelocityRule

Detach velocity control from a payment card

DetachPaymentCardVelocityRule

List velocity controls

NodeOrganizationWithVelocityRules

Find velocity control balance

NodeFinancialAccountWithVelocityBalance