Policies

Policies define the rules governing how cards can be used. They control spending limits, merchant restrictions, approval workflows, and more.

Policy Cascade

Policies are applied in a cascading hierarchy. Settings at lower levels override those at higher levels:

Customer Policy → Agent Policy → Card Policy

Customer Level
Agent Level
Card Level

Default policies for all agents and cards owned by the customer.

{
  "policy": {
    "requireIntent": true,
    "autoApproveBelow": 10000,
    "limits": {
      "perDay": 100000
    }
  }
}

Overrides customer defaults for a specific agent and its cards.

{
  "policy": {
    "requireApproval": true,
    "limits": {
      "perAuth": 5000,
      "perDay": 25000
    }
  }
}

Most specific; overrides both customer and agent policies.

{
  "policy": {
    "allowedMerchants": ["amazon.com"],
    "lockToFirstMerchant": true,
    "limits": {
      "perAuth": 2500
    }
  }
}

Cascade Example

Setting	Customer	Agent	Card	Effective
`requireIntent`	`true`	-	-	`true`
`perAuth` limit	`10000`	`5000`	`2500`	`2500`
`perDay` limit	`100000`	`25000`	-	`25000`
`lockToFirstMerchant`	-	-	`true`	`true`

Intent Controls

requireIntent

When true, agents must declare an intent before accessing card details. Transactions without a matching intent are flagged.

{
  "policy": {
    "requireIntent": true
  }
}

Use case: Audit trail and compliance. Ensures every transaction has a documented purpose.

requireAttestation

When true, agents must attest to their intent before each card access. Creates an access event record.

{
  "policy": {
    "requireAttestation": true,
    "attestationWindowMinutes": 15
  }
}

Field	Type	Description
`requireAttestation`	boolean	Require attestation before card access
`attestationWindowMinutes`	number	Minutes the attestation is valid

requireApproval

When true, intents require human approval before becoming active.

{
  "policy": {
    "requireApproval": true,
    "autoApproveBelow": 5000
  }
}

Field	Type	Description
`requireApproval`	boolean	Intents need approval
`autoApproveBelow`	number	Auto-approve intents under this amount (cents)

Flow with approval required:

Intent Created → pending_approval → [Human Approves] → pending → Transaction → matched

Spending Limits

Control maximum spend amounts at different time intervals.

{
  "policy": {
    "limits": {
      "perAuth": 5000,
      "perDay": 50000,
      "perMonth": 200000
    }
  }
}

Limit	Description
`perAuth`	Maximum amount per single transaction (cents)
`perDay`	Maximum total spend per 24-hour period (cents)
`perMonth`	Maximum total spend per calendar month (cents)

Limit Enforcement

Limits are checked at authorization time. If a transaction would exceed any limit, it is declined.

curl -X POST https://api.useproxy.ai/v1/cards \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cust_xxx",
    "agentId": "agent_xxx",
    "policy": {
      "limits": {
        "perAuth": 5000
      }
    }
  }'

curl -X POST https://api.useproxy.ai/v1/cards \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cust_xxx",
    "agentId": "agent_xxx",
    "policy": {
      "limits": {
        "perDay": 50000
      }
    }
  }'

MCC Restrictions

Merchant Category Codes (MCCs) classify the type of business. Use MCC restrictions to control where cards can be used.

allowedMccs

Whitelist specific merchant categories. Only transactions at merchants with these MCCs are allowed.

{
  "policy": {
    "allowedMccs": ["5411", "5412", "5499"]
  }
}

MCC	Category
5411	Grocery Stores, Supermarkets
5412	Grocery Stores
5499	Misc. Food Stores
5812	Eating Places, Restaurants
5942	Book Stores

blockedMccs

Blacklist specific merchant categories. Transactions at these MCCs are declined.

{
  "policy": {
    "blockedMccs": ["7995", "6211", "5933"]
  }
}

MCC	Category
7995	Betting, Casino Gambling
6211	Securities/Brokers
5933	Pawn Shops
5993	Cigar Stores, Tobacco

If both allowedMccs and blockedMccs are specified, allowedMccs takes precedence. A transaction is allowed only if the MCC is in the allowed list and not in the blocked list.

Merchant Controls

allowedMerchants

Whitelist specific merchants by name. Only transactions at these merchants are allowed.

{
  "policy": {
    "allowedMerchants": ["amazon.com", "walmart.com", "target.com"]
  }
}

Merchant matching uses fuzzy matching to handle variations in merchant names.

lockToFirstMerchant

After the first transaction, lock the card to that specific merchant. All subsequent transactions must be at the same merchant.

{
  "policy": {
    "lockToFirstMerchant": true
  }
}

Use case: Subscription payments. Issue a card for a specific service and prevent misuse at other merchants.

Cooldown Periods

Prevent rapid consecutive transactions by enforcing a wait period between card uses.

{
  "policy": {
    "cooldownMinutes": 30
  }
}

Field	Type	Description
`cooldownMinutes`	number	Minimum minutes between transactions

Use case: Prevent runaway spending by AI agents. If an agent makes a purchase, it must wait before making another.

Card Expiration

Control how long cards remain active.

{
  "policy": {
    "ttlMinutes": 60,
    "ttlDays": 7
  }
}

Field	Type	Description
`ttlMinutes`	number	Card expires after N minutes
`ttlDays`	number	Card expires after N days

Example Configurations

High-Trust Agent
Supervised Agent
Restricted Card
Subscription Card

Minimal restrictions for a trusted automation.

{
  "policy": {
    "requireIntent": false,
    "limits": {
      "perAuth": 100000,
      "perDay": 500000
    }
  }
}

Requires approval for significant purchases.

{
  "policy": {
    "requireIntent": true,
    "requireApproval": true,
    "autoApproveBelow": 2500,
    "limits": {
      "perAuth": 25000,
      "perDay": 100000
    },
    "cooldownMinutes": 15
  }
}

Locked to specific merchant category with tight limits.

{
  "policy": {
    "requireIntent": true,
    "requireAttestation": true,
    "attestationWindowMinutes": 10,
    "allowedMccs": ["5812"],
    "limits": {
      "perAuth": 5000,
      "perDay": 10000
    },
    "lockToFirstMerchant": true
  }
}

For recurring payments at a single merchant.

{
  "policy": {
    "lockToFirstMerchant": true,
    "limits": {
      "perAuth": 10000,
      "perMonth": 10000
    }
  }
}

Setting Policies

On Customer Creation

curl -X POST https://api.useproxy.ai/v1/customers \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "consumer",
    "email": "alice@example.com",
    "name": { "first": "Alice", "last": "Smith" },
    "policy": {
      "requireIntent": true,
      "limits": {
        "perDay": 100000
      }
    }
  }'

On Agent Creation

curl -X POST https://api.useproxy.ai/v1/agents \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cust_xxx",
    "name": "Shopping Agent",
    "policy": {
      "requireApproval": true,
      "autoApproveBelow": 5000,
      "blockedMccs": ["7995"]
    }
  }'

On Card Creation

curl -X POST https://api.useproxy.ai/v1/cards \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cust_xxx",
    "agentId": "agent_xxx",
    "policy": {
      "allowedMerchants": ["amazon.com"],
      "limits": {
        "perAuth": 2500
      }
    }
  }'

Updating Policies

curl -X PATCH https://api.useproxy.ai/v1/agents/agent_xxx \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "policy": {
      "limits": {
        "perAuth": 7500
      }
    }
  }'

Policy Reference

Field	Type	Default	Description
`requireIntent`	boolean	`false`	Require intent before card access
`requireAttestation`	boolean	`false`	Require attestation before card access
`requireApproval`	boolean	`false`	Require human approval for intents
`autoApproveBelow`	number	-	Auto-approve intents under this amount (cents)
`attestationWindowMinutes`	number	`15`	Minutes attestation remains valid
`cooldownMinutes`	number	-	Minimum minutes between transactions
`ttlMinutes`	number	-	Card expires after N minutes
`ttlDays`	number	-	Card expires after N days
`limits.perAuth`	number	-	Max per-transaction amount (cents)
`limits.perDay`	number	-	Max daily spend (cents)
`limits.perMonth`	number	-	Max monthly spend (cents)
`allowedMccs`	array	-	Whitelist of allowed MCCs
`blockedMccs`	array	-	Blacklist of blocked MCCs
`allowedMerchants`	array	-	Whitelist of allowed merchant names
`lockToFirstMerchant`	boolean	`false`	Lock card to first merchant

Next Steps

Agents

Configure agent policies

Cards

Apply card-level controls

Intents

Understand intent workflows

Transactions

View transaction history

Getting Started

Concepts

Policies

Policies

Policy Cascade

Cascade Example

Intent Controls

requireIntent

requireAttestation

requireApproval

Spending Limits

Limit Enforcement

MCC Restrictions

allowedMccs

blockedMccs

Merchant Controls

allowedMerchants

lockToFirstMerchant

Cooldown Periods

Card Expiration

Example Configurations

Setting Policies

On Customer Creation

On Agent Creation

On Card Creation

Updating Policies

Policy Reference

Next Steps

Agents

Cards

Intents

Transactions

​Policies

​Policy Cascade

​Cascade Example

​Intent Controls

​requireIntent

​requireAttestation

​requireApproval

​Spending Limits

​Limit Enforcement

​MCC Restrictions

​allowedMccs

​blockedMccs

​Merchant Controls

​allowedMerchants

​lockToFirstMerchant

​Cooldown Periods

​Card Expiration

​Example Configurations

​Setting Policies

​On Customer Creation

​On Agent Creation

​On Card Creation

​Updating Policies

​Policy Reference

​Next Steps

Agents

Cards

Intents

Transactions

Policies

Policy Cascade

Cascade Example

Intent Controls

requireIntent

requireAttestation

requireApproval

Spending Limits

Limit Enforcement

MCC Restrictions

allowedMccs

blockedMccs

Merchant Controls

allowedMerchants

lockToFirstMerchant

Cooldown Periods

Card Expiration

Example Configurations

Setting Policies

On Customer Creation

On Agent Creation

On Card Creation

Updating Policies

Policy Reference

Next Steps