How are transaction limits calculated and applied to payment events?

When you create Transaction Rules of interval limits, such as maximum usage of EUR 1,000 per day per card, Adyen automatically includes all related payment events for limit evaluation. We include the following in the limit amount calculation to compare to the interval limit that you set:

• Successful Authorization
• Authorization adjustment
• Expiry of authorisation
• Cancellation of authorisation
• Refund

Suppose you set up a daily limit (interval) of 50 EUR (cumulative balance) per card. The table below shows how the balance adjustment logic will be applied on our side.

When a transaction is declined due to the Transaction Rule limits, you can see the remaining balance for the interval in the reason field on Customer Area or transfer.created webhook.

Please note that captures are not part of the cumulative balance calculation logic.

When we reach the exact amount of the cumulative balance (50 EUR from the example), the card will be suspended. As long as this exact balance is not reached, for example, the cumulative balance is at 48 EUR, we would decline an authorisation bigger than 2 EUR, but the card will remain active, as there is some available cumulative balance.