Purpose: To clarify how partial authorizations interact with daily limits on hybrid cards for Custodia tenants.
Short Answer
No, partial authorizations are not supported for activities governed by daily limits on Custodia hybrid cards.
What Is a Partial Authorization?
A partial authorization occurs when a transaction is approved for a lesser amount than what the merchant originally requested—often when the available balance is insufficient for the full amount. The remaining balance must then be covered by the user's personal account (e.g., a hybrid card)
Example:
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A cardholder attempts to spend $50
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Only $30 is available on the card
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A partial authorization would approve $30 and prompt for another $20 via alternate means
Custodia’s Behavior with Daily Limits
For hybrid cards linked to activities with daily spend limits, Custodia’s authorization model is designed to strictly enforce daily budget ceilings.
Key Enforcement Behavior:
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If a transaction exceeds the remaining daily limit, the full transaction is declined
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No partial amount is approved, even if a portion of the spend remains within the daily limit
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The cardholder must either:
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Reduce the transaction amount to fit within the available daily limit, or
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Wait for the next day when the daily allowance resets
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