With real-time domain controls and adaptive spending limits, issuers increase cardholder engagement, lower operational friction, and strengthen portfolio stickiness, without redesigning their authorization system.

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Modern control layers, delivered through API

Enable dynamic controls through a simple API

Thales D1 executes a subset of EMV checks during authorization to enable flexible configuration with minimal impact on your core stack.

Increase cardholder engagement and portfolio stickiness

Offer customers meaningful control over how their card is used, from enabling online payments to setting personal spending limits, building trust and strengthening daily digital interactions with your brand.

Launch differentiated card products faster

Introduce new programs - youth, travel - by tailoring domain rules and limits per card product. Control becomes a competitive feature rather than a development challenge

Tailor authorization controls per product

Domains Control

Enable or disable transaction domains in real time at issuer or user level such as online and contactless payments, merchant categories, or cash withdrawals, driving authorization decisions based on user preferences or issuer policies.

Spending Limits Define periodic purchase and withdrawal limits enforced during authorization. Enable end users to update limits instantly while staying within the security boundaries defined for each card product.

Custom Merchant Category Groups Use Thales’ default MCC group configuration or work with our delivery teams to tailor category lists — for example gambling, adult content, or high-risk merchants - to your risk policies.

Use Cases

Youth cards

Deliver a safer, controlled payment experience for younger users by allowing parents to set spending limits and disable categories such as gambling or adult purchases.

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Accelerate your payment solutions and deliver secure, scalable experiences today.

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