What Categories Limit Where Cards Can Be Used?

Bento for Business has created spend categories limits to give you an easy way to set controls around where employees can use their cards. 

For example, if you set a spend category limit on a card to only be allowed at merchants categorized as Fuel Pumps, if your employee attempted to use the card at a merchant that is categorized as a Restaurant, that transaction would be declined. However, if your employee attempted a transaction at a fuel pump it would be successful. You can have peace of mind knowing that your funds are being used where you want them to be used. 

Business Owners and admin can update allowed and disallowed categories on a card in real time with a few simple clicks from the Bento website or the bento for Business mobile app. You just navigate to the Manage Cards page, selevt edit next to the card you'd like to update, make your desired changes and click Update Card. Category changes happen instantly in real time and you can change them as often as you'd like. 

Watch this animated gif below of how to update cards quickly and easily.

spendcategories.gif

 

Spend categories are groups of existing merchant category codes (MCC) used to classify businesses and store by specific market segments. MCCs are 4-digit codes assigned to all businesses and stores by credit card companies. 

There are hundreds of MCCs so Bento has grouped similar codes together in order to make putting spend restrictions on Bento cards easier. Here's the list of Bento’s spend categories:


Amusement & Entertainment

Associations

Automobiles & Vehicles

Business Services

Education

Financial Services

Fuel Pumps

Gas Stations

Government Services

Home Furnishing

Home, Garden Supply & Service

Liquor & Alcohol Stores

Mail Phone Order

Personal Services

Professional Services

Repair Services

Restaurants

Retail & Miscellaneous Stores

Telecom, Internet & Utilities

Travel & Transportation

Wholesale Clubs & Office Supplies

Wholesale Trade

To see a detailed mapping of how specific merchants and MCCs are categorized within these defined spend categories, please see our Merchant Category Mapping table.

Have more questions? Submit a request