Cumulative Frictionless Spend
The Max Cumulative Frictionless Spend Rule challenges the cardholder once their total frictionless spend since the last challenge reaches a configured threshold. The threshold is defined in currency minor units. Once challenged, the cumulative spend counter resets.
The counter is cumulative with no time boundary. It does not reset after a period of time - only a successful challenge resets it.
What are minor units?
The minor unit is the smallest subdivision of a currency. Thresholds must be entered in minor units.
| Currency | Minor Unit | Example |
|---|---|---|
| Euro (EUR) | Cent | €100 = 10000 |
| US Dollar (USD) | Cent | $50 = 5000 |
| British Pound (GBP) | Pence | £30 = 3000 |
| Japanese Yen (JPY) | None | ¥500 = 500 |
| Tunisian Dinar (TND) | Millime | 10 TND = 10000 |
Flow
flowchart TD
classDef success fill:#e6ffed,stroke:#38a169,color:#276749
classDef process fill:#ebf8ff,stroke:#4299e1,color:#2c5282
START([Transaction received]) --> SPEND{Cumulative frictionless<br/>spend below limit?}:::process
SPEND -->|Yes| ACC([Frictionless · SUCCEEDED]):::success
SPEND -->|No - limit reached| CHAL([Challenge Flow · counter resets]):::process
Example
The following configuration challenges the cardholder once cumulative frictionless spend reaches €100 (entered as 10000 minor units).
Outcome Summary
With a limit of €100:
| Transaction | Date | Amount | Cumulative Spend | Outcome |
|---|---|---|---|---|
| 1 | 01-08-2024 | €20 | €20 | Accept |
| 2 | 04-08-2024 | €40 | €60 | Accept |
| 3 | 05-08-2024 | €50 | €110 | Challenge - limit reached, counter resets |
| 4 | 06-08-2024 | €40 | €40 | Accept |
| 5 | 12-08-2024 | €40 | €80 | Accept |
| 6 | 15-08-2024 | €40 | €120 | Challenge - limit reached, counter resets |
Updated 24 days ago