In Combo Cards, you can issue both balance and limit cards, depending on the capabilities of our providers. For certain BINs, only balance cards are available, while for others, both options are available.

Limit cards differ in that they are linked to the total balance of the user in the currency in which the card is issued. It is possible to set a limit on the amount of debits, after which no further payments will be made.

The advantage of using such cards is that there is no need to freeze funds on multiple cards, which would require additional working capital. Charges are made directly from the user's main balance account.

A disadvantage of this type of card is the limit on the maximum debit amount, which is determined by the available balance of funds in the user's account. The maximum debit amount is regulated at a ratio of 1 to 3 of the available balance.

For example, if the balance is $90, then the maximum amount of debit that will be allowed is $30. This limit can be adjusted by adding money to the user's balance.

Balance cards have their own individual balance from which funds are debited. If the balance is insufficient for a transaction, it will not be processed. To avoid declines, it is important to regularly check the available funds on these cards. Balance cards can be manually replenished, replenished in bulk, or automatically replenished when a specific condition is met.

The advantage of this type of cards is that you can make payments with large amounts.

However, the disadvantage is that when issuing a large number of cards, sufficient funds will need to be replenished to cover the payments. The more cards in operation, the more working capital will be required. However, this issue can be solved by utilizing the auto-replenishment function.