Business · Cards

Control at the card,
not the expense report.

A spending control that arrives after the money has gone is a reconciliation problem, not a control. BINK puts the limit, the channels and the balance on the card itself, checks them as part of the authorization, and records the result on a double-entry ledger.

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What you set on a card

PurposeEmployee, department, expense, travel, vendor, project

FormVirtual or physical

ReachLocal or international

LimitA monthly ceiling on the card

ChannelsOnline, contactless and ATM, independently

StatusActive or frozen, changed immediately

Each is a property of the card, read at authorisation — not a policy applied to a report afterwards.

BalanceIsolated, per card

LimitMonthly, per card

ChannelsOnline, contactless, ATM

FreezeImmediate, and reversible

The decision

Eight checks, in order.

An authorization is not one yes or no. It is an ordered set of questions, and the first one that fails is the reason returned — which is what makes a decline explainable.

CheckWhat it asksReason returned if it fails

Card stateIs the card active rather than frozen, expired or cancelledCard frozen · Expired card

Wallet stateIs the card’s own balance usableWallet suspended · Wallet locked

FundsDoes the isolated balance cover the amountInsufficient funds

Monthly limitWould this exceed the ceiling set on the cardVelocity exceeded

VelocityIs the pattern of use within its windowsVelocity exceeded

CurrencyIs the currency one this card can transact inInvalid currency

ComplianceDoes the merchant category and context passCompliance blocked · Merchant blocked

RegionIs the location permitted for this cardRegion blocked

The path

Fund, authorise, settle.

FundFrom the companyThe company balance debits, the card balance credits.
AuthoriseAgainst the cardThe ordered checks run and funds are reserved.
HoldUntil settledHeld, then captured, voided or expired.
PostTo the ledgerBalanced entries, with the hold’s reference.

What you get

Spending you can bound.

Controls that hold at the moment of the transaction, and an accounting record that survives the question afterwards.

Its own balance

A company card holds an isolated balance funded from the company wallet rather than drawing on everything at once. What a card can spend is what has been put on it.

A ceiling you set

Each card carries its own monthly limit, checked as part of the authorization decision rather than reported after the fact.

Channels, separately

Online, contactless and ATM are independent switches. A card issued for online subscriptions does not have to be able to withdraw cash.

Freeze, immediately

A card moves between active and frozen as a direct action, and the authorization path reads that state — so freezing is a control, not a request.

Holds you can unwind

An authorization reserves funds and writes a hold that is later captured, voided or expired. Money is never quietly deducted with no record of why it was held.

Numbers not kept

The security code is derived on demand under a versioned key and never stored at rest, and revealing a card’s details requires a one-time code — aligned with PCI DSS 3.3.1.

Operational detail

How it behaves.

What the control and accounting layer does, and where that layer currently ends.

BINK’s card capability today is the control and financial-accounting layer — issuance records, balances, limits, authorization decisions and ledger postings. It does not include live card-network issuing, and BINK claims no BIN sponsorship, scheme membership or card-network connection.

Funding: A card is funded from the company balance, converted through the FX engine where the currencies differ, with both sides written to the ledger.
Accounting: Every authorization, capture, void and refund posts balanced double-entry records. A card balance is not a counter — it is a ledger position.
Decline reasons: A refusal returns a specific reason rather than a generic failure, so the difference between no funds, a frozen card and a blocked category is visible to the person who has to explain it.
Expiry of holds: A hold that is never captured expires on its own and releases what it reserved, rather than remaining against the balance indefinitely.
Categories: Merchant-category rules can be defined but are not applied at authorisation today. Per-card category blocklists are therefore not claimed.
Wallet payments: Apple Pay, Google Pay, tokenisation, 3-D Secure and PIN management are not implemented, and are not offered.

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