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Create velocity control

POST /v1/api-gateway/controls/velocity

Creates a limit for exactly one of card_id, cardholder_id or external_id. type is SPEND (a cap on the money spent in the window, in the card currency) or COUNT (a cap on how many authorizations are approved in it, so limit_amount is a whole count of at least 1). velocity_window is MONTH, DAY, WEEK or TOTAL (the lifetime of the card or cardholder), all UTC. mode is STRICT (the default, declines a breach) or WATCH (never declines; sends a VELOCITY_CONTROL_WATCHED webhook instead, so a limit can be sized before it is enforced). only_merchants restricts the card to an allowlist of merchants. enabled defaults to true.

Request

Authentication: your API key in the x-api-key header.

Headers

Field	Type	Description
`Idempotency-Key`	string	A unique string you choose, up to 255 characters, that makes this request safe to retry. If a request times out or fails in transit, send it again with the same key: the status code and body of the first attempt are returned and the operation is not performed a second time. Stored replies — including failures — are replayed for 24 hours, after which the same key starts a fresh request. Reusing a key for a different request, or sending it while the first request is still running, returns 409. Omit the header and the request behaves exactly as before. Document upload endpoints do not accept it.

Body

Field	Type	Description
`limit_amount` required	number	The cap for the window. On a `SPEND` control it is an amount in major units of the card's own currency — the currency of the ledger account the card draws on, which is what the authorization engine compares (e.g. `500`). On a `COUNT` control it is a whole number of approved authorizations (an integer of at least 1).
`type` required	string	Kind of control. `SPEND` caps the money spent in the window; `COUNT` caps the number of approved authorizations, and then `limit_amount` is that whole count (an integer of at least 1).One of: `SPEND`, `COUNT`
`velocity_window` required	string	Window the cap applies to, always UTC. `DAY` is the calendar day, `WEEK` the ISO week starting Monday, `MONTH` the calendar month, `TOTAL` the lifetime of the card or cardholder.One of: `MONTH`, `DAY`, `WEEK`, `TOTAL`
`mode`	string	What happens on a breach. `STRICT` (the default) declines the authorization; `WATCH` never declines and sends a `VELOCITY_CONTROL_WATCHED` webhook instead, so a limit can be sized before it is enforced.One of: `STRICT`, `WATCH`
`only_merchants`	array of object	Restrict the card to these merchants. An authorization whose merchant matches none of the entries is declined (or reported, in `WATCH` mode). Within one entry every field given must match; any entry matching is enough. `name` is matched case-insensitively as a substring of the acquirer descriptor, `mcc` exactly. Omit or send `[]` for no restriction. At most 50 entries.
`only_merchants[].name`	string	Case-insensitive substring of the acquirer merchant name, e.g. "TRAIN TICKETS". Trimmed before matching.
`only_merchants[].mcc`	string	Exact four-digit merchant category code, e.g. "5734".
`card_id`	string, uuid	Apply the control to one card. Exactly one of `card_id`, `cardholder_id`, `external_id` is required.
`cardholder_id`	string, uuid	Apply the control to every card of this Moon cardholder (the cardholder `id`).
`external_id`	string	Apply the control to every card of the cardholder identified by your own id (the cardholder `external_id`). Canonical name for the value this route also accepts as `end_customer_id`. Send one or the other; sending both with different values is rejected.
`end_customer_id`	string	Deprecated alias of `external_id`, kept working for existing integrations. Send one or the other; sending both with different values is rejected.
`enabled`	boolean	Whether the control is active. Defaults to enabled.
`metadata`	object	Your own key-value data to store on this velocity control. It is returned verbatim on every read of the velocity control and never affects how the velocity control is processed — use it to carry your order or customer identifier so you do not have to keep a separate mapping. Up to 50 keys, keys up to 40 characters and values up to 500 characters. Values must be strings — nested objects, arrays, numbers and booleans are rejected. On update the map you send replaces the stored map in full: omit the field to leave it unchanged, send `{}` to clear it, and send a key with an empty string value to remove just that key.

Example request

cURL

curl --request POST \
     --url 'https://api.themooncard.com/v1/api-gateway/controls/velocity' \
     --header 'x-api-key: YOUR_API_KEY' \
     --header 'content-type: application/json' \
     --data '{
       "limit_amount": 500,
       "type": "SPEND",
       "velocity_window": "MONTH",
       "mode": "STRICT",
       "only_merchants": [
         {
           "name": "string",
           "mcc": "string"
         }
       ],
       "card_id": "8d2cd518-5ef2-4280-91e8-63b1a0e672e7",
       "cardholder_id": "8d2cd518-5ef2-4280-91e8-63b1a0e672e7",
       "external_id": "string",
       "end_customer_id": "string",
       "enabled": false,
       "metadata": {
         "team": "field-ops"
       }
     }'

Responses

201 Success

Field	Type	Description
`id` required	string	Velocity control id.
`card_id` required	string, nullable	Card this control applies to, or null for cardholder-level controls.
`cardholder_id` required	string, nullable	Cardholder this control applies to, or null for card-level controls.
`limit_amount` required	number	The cap for the window: an amount in the card's own currency on a `SPEND` control, a whole number of approved authorizations on a `COUNT` one.
`type` required	string	Control type: `SPEND` or `COUNT`.
`velocity_window` required	string	Window the limit applies to: `MONTH`, `DAY`, `WEEK` or `TOTAL`, all UTC.
`mode` required	string	`STRICT` declines a breach; `WATCH` only reports it over the webhook.
`only_merchants` required	array of object	Merchant allowlist, or null when the card is not locked to any merchant.
`only_merchants[].name`	string
`only_merchants[].mcc`	string
`fixed` required	integer	1 when Moon fixed this control to the card it belongs to: the control that makes a card single-use, or the one that locks it to a merchant. A fixed control is read like any other but cannot be updated or deleted here (`CONTROL_IS_FIXED`). What to do instead depends on which one it is: a merchant lock is changed or removed through the card merchant-lock endpoints, while a single-use limit cannot be lifted at all — it ends with the card, so terminate the card to stop it being used. Otherwise 0.One of: `0`, `1`
`enabled` required	integer	1 when enabled, otherwise 0.One of: `0`, `1`
`metadata` required	object	The key-value data you stored on this velocity control, returned exactly as you sent it. An empty object when you never set any — it is never null.
`created_at` required	string
`updated_at` required	string

JSON

{
  "id": "e2c4a6b8-0d1f-4a2b-8c3d-4e5f6a7b8c9d",
  "card_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
  "cardholder_id": null,
  "limit_amount": 500,
  "type": "SPEND",
  "velocity_window": "MONTH",
  "mode": "STRICT",
  "only_merchants": null,
  "fixed": 0,
  "enabled": 1,
  "metadata": {
    "team": "field-ops"
  },
  "created_at": "2026-08-01T09:12:44.000Z",
  "updated_at": "2026-08-16T17:51:01.000Z"
}

400 Error

Validation failed (errors[] lists each offending field) or a domain rule rejected the request ({ message, code }).