# Spending cards

> Create virtual spending cards in the Moov Dashboard, then freeze, close, or edit cards and review card activity for your connected accounts.

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Create and manage virtual spending cards for your customers.

> **Note:** Card issuing is currently in a closed beta. [Contact Moov](https://moov.io/contact/) for more information.

For what spending cards are and common use cases, see the [card issuing](/guides/issue-cards/index.md) overview.

Spending cards facilitate a specific use case: your Moov account is a platform that enables customers to accept payments and use those funds for business-related purchases and your customer is a business that will use a virtual card to make payments with funds from its Moov wallet.

Navigate to the **Spending cards** section of the Dashboard to create and manage spending cards.

![View of spending cards in Moov's Dashboard](./images/spending-card-table.png)

## Prerequisites

- Business customers have been onboarded with the **card issuing** [capability](/guides/accounts/hosted-onboarding/index.md#choose-capabilities)
- Business customer's Moov wallet has been funded with a [balance](/guides/wallets/balance/index.md#in-the-dashboard)

## Create a spending card

Issued cards spend only from the account's card-issuing wallet, which Moov creates when the **card issuing** capability is enabled. See the [card issuing tutorial](/guides/issue-cards/issuing-tutorial/index.md) for how to fund it.

When you create a spending card, you can set the following:

| Setting               | Description                                                                                                               |
|-----------------------|---------------------------------------------------------------------------------------------------------------------------|
| Single use            | Set to automatically close the card after the first authorization. Once a card is issued, this setting cannot be changed. |
| Limits                | Set limits such as specific amounts or transaction counts for a period of time such as every day or per transaction       |
| Category restrictions | Allow or block certain merchant categories such as advertising and gambling                                               |
| Merchant restrictions | Allow or block specific merchants, independent of merchant category restrictions                                          |
| Spend schedule        | Set spend schedules such as certain days of the week or a specific time of day                                            |
| Spend cutoff          | Set a spend cutoff (expiry) date and time                                                                                 |

[*Video: spending card create*](https://docs.moov.io/guides/dashboard/spending-cards/images/spending-card-create.mp4)

## View and manage spending cards

Navigate to **Spending cards > Cards** to view cards and their authorized users. New authorized users / employees will need to be [onboarded](/guides/accounts/hosted-onboarding/index.md) to use their card and access the Dashboard.

Click on a card to view details like spend controls. Click **View activity** to view a card's activity.

![View of spending card details](./images/spending-card-details.png)

### Freeze a card

If you freeze a card, it temporarily suspends the card and it cannot approve authorizations. A card can be switched between a frozen state and an active state as needed.

Click **Freeze** on the card details view to freeze a card.

### Close a card

Closing a card permanently deactivates it and it can no longer approve authorizations. Click **More > Close card** on the card details view to close the card.

A card also automatically closes when it expires.

### Edit card details

Click **More > Edit card details** on the card details view to edit a card. You can update the following:

- Card name
- Controls (limits, restrictions, schedules)
- Spend cutoff (expiry date)

You can't change the single-use setting after a card is issued.

## View card activity

Navigate to **Spending cards > View activity** to view card activity. Search by card ID or sort by status:

- Cleared
- Pending
- Declined
- Canceled
- Expired

Click on a row item to view activity details. The tabs below show examples of a cleared and declined transaction.

**Cleared transaction**

![View of spending card transaction cleared](./images/spending-card-txn-cleared.png)

**Declined transaction**

![View of spending card transaction declined](./images/spending-card-txn-declined.png)