A closer look at scoped cards

Payment relationships are built on trust. Whenever you delegate spending, whether it be to an employee, contractor, vendor, or AI agent, you have to decide how much power to hand over. That choice has usually been all or nothing. You share full payment credentials and hope they're used the way you intended, or you hold them back and slow the work down. 

That's why Rain developed scoped cards, making it possible to define exactly what a card can do before it's issued. Limits on spend, where the card works, and how long it’s valid are programmed into the card, creating real buying power within set boundaries.

How it works 

Partners can design customized payment experiences with Rain's scoped cards offering. Scoped cards work for any situation where a person needs to delegate spending power. An expense platform can give distributed teams cards limited to travel or software. A bill-pay platform can generate a card that only works to pay specific invoices. An automated shopping platform can enable agents to initiate and execute transactions on behalf of humans. 

Whatever the use case, scoped cards are the building blocks. The demo below shows just one way a partner could use scoped cards to power purchases. Click through to see the full flow in action. 

The rules are set before each card is issued, and parameters can be mixed and matched across cards. A card can carry a maximum transaction amount, work only within approved merchant categories or at specific merchants, and expire after a set date. Cards could be designed to retire after a single purchase, stay active until a one-time budget is met, or refresh on a recurring budget. Each parameter is a capability, allowing cardholders to tailor the payment method to exactly what they need. 

Partners can customize controls like the number of active cards a cardholder can have and daily spend limits to fit their program needs. Before a scoped card is issued, each cardholder completes KYC, the same identity verification that sits behind all of Rain’s card programs.

If you're ready to build scoped cards into your product and put precise spending controls in your users' hands, let's talk.