[No QA] Update help docs for Releases 1-4: Expensify Card Spend Rules

docs/articles/new-expensify/expensify-card/Cardholder-Settings-and-Features.md

@@ -30,6 +30,17 @@ If you try to make a purchase that exceeds this limit, the transaction will be d
 
 ---
 
+# View Spend Rules on Your Card
+
+Your workspace admin may set a Spend Rule on your card that approves or declines transactions in real time based on the merchant, spend category, or amount. You can view the rule on your card, but only your admin can change it.
+
+1. From the navigation tabs (on the left on web, and at the bottom on mobile), select **Account > Wallet > Expensify Card**.
+2. Click your Expensify Card to view its Spend Rule summary.
+
+[Learn about Expensify Card Spend Rules](/articles/new-expensify/expensify-card/Expensify-Card-Spend-Rules).
+
+---
+
 # Enable Notifications
 
 Get real-time alerts for purchases and declines by enabling push notifications.
@@ -49,7 +60,7 @@ Get real-time alerts for purchases and declines by enabling push notifications.
 4. Toggle notifications **On**.
 5. Customize your alert style based on your preferences.
 
-See this guide for more information on [setting up Expensify Card notifications](https://help.expensify.com/articles/new-expensify/expensify-card/Expensify-Card-Notifications).
+[Learn how to set up Expensify Card notifications](/articles/new-expensify/expensify-card/Expensify-Card-Notifications).
 
 ---
 
@@ -92,7 +103,7 @@ A virtual card is a secure, flexible way to manage online spending:
 3. Select your Expensify Card.
 4. Tap **Add to Apple Wallet** or **Add to Google Pay** and follow the prompts.
 
-For more details on adding a card to Apple or Android Pay, see this [guide](https://help.expensify.com/articles/new-expensify/expensify-card/Add-Expensify-Card-to-Apple-or-Google-Pay).
+[Learn how to add an Expensify Card to Apple Pay or Google Pay](/articles/new-expensify/expensify-card/Add-Expensify-Card-to-Apple-or-Google-Pay).
 
 ---
 
@@ -124,7 +135,7 @@ Once frozen:
 
 ## What if I haven’t received my Expensify Card?
 
-If your physical card hasn't arrived within a week, confirm your mailing address is correct and request a new card. See [this guide](https://help.expensify.com/articles/expensify-classic/expensify-card/Request-the-Expensify-Card#steps-to-request-the-expensify-card) for requesting a new Expensify Card.
+If your physical card hasn't arrived within a week, confirm your mailing address is correct and request a new card. [Learn how to request a new Expensify Card](/articles/expensify-classic/expensify-card/Request-the-Expensify-Card#steps-to-request-the-expensify-card).
 
 ## Why did my card get declined?
 
@@ -134,6 +145,7 @@ Common reasons for Expensify card declines include:
 - **Incorrect details**: Double-check the CVC, ZIP code, and expiration date.
 - **Suspicious activity**: You may need to manually approve flagged transactions from your Home page.
 - **Restricted country**: Transactions are blocked in specific regions due to US sanctions.
+- **Spend Rule restriction**: Your workspace admin may have set a Spend Rule on your card that blocks certain merchants, spend categories, or amounts. When a Spend Rule declines a transaction, you'll receive a notification from Concierge in your workspace chat explaining the reason. [Learn about Expensify Card Spend Rules](/articles/new-expensify/expensify-card/Expensify-Card-Spend-Rules).
 
 ## How do I deactivate my card and request a replacement?
 

docs/articles/new-expensify/expensify-card/Expensify-Card-Notifications.md

@@ -10,6 +10,7 @@ Get real-time updates about your Expensify Visa® Commercial Card spending by en
 - Purchases and declined transactions
 - Fraudulent activity
 - Receipt requests for SmartScanned transactions
+- Spend Rule declines explaining why a transaction was blocked
 
 **Note:** To turn on Expensify Card notifications, you must first enable alerts from your workspace and then ensure they’re also allowed on your mobile device.
 
@@ -44,3 +45,11 @@ Get real-time updates about your Expensify Visa® Commercial Card spending by en
 
 Once both settings are enabled, you'll start receiving instant updates for your Expensify Card activity.
 
+---
+
+# Understand Spend Rule Decline Notifications
+
+If your Workspace Admin has set a Spend Rule on your card, a transaction may be declined when it doesn't meet the rule. When this happens, you'll receive a notification from Concierge in your workspace chat explaining why the transaction was declined — for example, a blocked merchant, a restricted spend category, or an amount over the limit.
+
+To learn how these rules work and what an admin can configure, [learn about Expensify Card Spend Rules](/articles/new-expensify/expensify-card/Expensify-Card-Spend-Rules).
+

docs/articles/new-expensify/expensify-card/Expensify-Card-Spend-Rules.md

@@ -0,0 +1,171 @@
+---
+title: Expensify Card Spend Rules
+description: Learn how Workspace Admins use Expensify Card Spend rules to approve or decline card transactions in real time, including Allow and Block restriction types, default protections, and rule management.
+keywords: [New Expensify, Expensify Card Spend rule, block card transactions, allow list, decline transaction, merchant restrictions, spend category, default protections, Workspace Admin]
+internalScope: Audience is Workspace Admins. Covers creating and managing Expensify Card Spend rules and understanding default protections. Does not cover post-submission expense rules, card limits, or cardholder-side card management.
+---
+
+# Expensify Card Spend Rules 
+
+Expensify Card Spend Rules let Workspace Admins approve or decline card transactions in real time before a transaction is authorized. Use Spend Rules to control where cards can be used by restricting merchants, spend categories, and transaction amounts.
+
+---
+
+## Who can use Expensify Card Spend Rules
+
+- Workspace Admins can create, edit, and delete Expensify Card Spend rules.
+- Cardholders can view Expensify Card Spend rules that apply to their cards but cannot modify them.
+
+To create Spend rules, the workspace must have **Rules** enabled. [Learn how to enable Workspace Rules](/articles/new-expensify/workspaces/Workspace-Rules).
+
+---
+
+## What default protections apply to every Expensify Card
+
+Default protections are applied to every Expensify Card and are evaluated before any Spend rules.
+
+These protections:
+
+ - Apply to all Expensify Cards.
+ - Cannot be edited or removed.
+ - Cannot be overridden by Spend rules.
+ - Automatically decline transactions that match blocked merchant category codes (MCCs).
+
+When you create Spend rules, they are applied in addition to these protections rather than replacing them.
+
+You can view the default protections under **Workspaces > [Workspace Name] > Rules**.
+
+---
+
+## How Expensify Card Spend rules are evaluated
+
+For every transaction, Expensify returns a single decision: approved or declined.
+
+Transactions are evaluated in the following order:
+
+1. Default protections are checked first. If a transaction matches a blocked MCC, it is declined.
+2. The card's assigned Spend rules are checked next, if one exists.
+3. If the transaction passes the default protections and any assigned Spend rules, it is approved.
+
+Cards without Spend rules are governed only by the default protections and any applicable card limits.
+   - In **Allow mode**, a transaction is approved only when it matches an allowed merchant or spend category and remains within the maximum amount.
+---
+
+## What restriction types are available for Expensify Card Spend rules
+
+When creating a Spend rule, choose one of two restriction types:
+
+**Allow**
+
+Use Allow when a card should only be used for specific merchants or spend categories.
+
+Transactions are approved when they:
+- Match an allowed merchant or spend category
+- Do not exceed the maximum amount
+
+Examples include:
+- Travel-only cards
+- Subscription cards
+- Benefits cards
+- Vendor-specific purchasing cards
+
+**Block**
+
+Use Block when a card should work broadly but certain spending should be restricted.
+
+Transactions are declined when they:
+- Match a blocked merchant
+- Match a blocked spend category
+- Exceed the maximum amount
+
+Examples include:
+- Blocking specific merchants
+- Restricting subscription services
+- Preventing transactions above a defined amount
+
+## How to create Expensify Card Spend rules
+
+1. In the navigation tabs (on the left on web, on the bottom on mobile), go to **Workspaces > [Workspace Name]**.
+2. Click **Rules**.
+3. Under **Spend**, click **Add Spend rule**.
+4. Select one or more cards to apply the rule to.
+5. Under **Restriction type**, select **Allow** or **Block**.
+6. Configure one or more of the following:
+   - **Merchant:** Add merchants using **Contains** or **Exact match**.
+   - **Spend category:** Select one or more spend categories.
+   - **Max amount:** Enter a maximum transaction amount.
+7. Click **Save**.
+
+Spend rules takes effect immediately and are applied to future transactions on the selected cards.
+
+<!-- SCREENSHOT:
+Suggestion: The Add card rule flow with Block mode selected and merchant/category/max amount fields visible.
+Location: After the Block rule steps.
+Purpose: Shows admins the rule configuration fields.
+-->
+
+---
+
+## How to edit or delete an Expensify Card Spend rule
+
+After a rule is created, you can review, change, or remove it.
+
+1. Go to **Workspaces > [Workspace Name] > Rules**.
+2. Locate the card's Spend Rule.
+3. Select the rule to update its merchants, spend categories, maximum amount, or mode.
+4. Click **Save**.
+
+To remove a rule: 
+1. Open the Spend Rule.
+2. Click **Delete**.
+
+After deletion, the card is governed only by default protections and any applicable card limits.
+
+---
+
+## How to create Expensify Card Spend rule while issuing a card
+
+You can apply an Expensify Card Spend rule during card issuance so spending controls are active before the card is used.
+
+[Learn how to set up and manage Expensify Cards](/articles/new-expensify/expensify-card/Set-Up-and-Manage-the-Expensify-Card).
+
+1. In the navigation tabs (on the left on web, on the bottom on mobile), go to **Workspaces > [Workspace Name] > Expensify Card** and begin issuing a new card.
+2. On the **Set card rules** step, enable **Add a spend rule**
+3. Choose **Copy existing** to reuse an existing rule, or **Create new** to create a new one. 
+4. Configure the Spend rule and select the desired **Restriction type**.
+5. Complete the card issuance process. 
+
+The Spend Rules are applied when the card is issued and is enforced from the card's first transaction.
+
+---
+
+## How to find a card or Spend Rule using search
+
+Use search to quickly locate a card or Spend Rule. 
+
+1. Go to **Workspaces > [Workspace Name] > Rules**.
+2. Use the search field to filter the list by card or rule.
+
+---
+
+# FAQ
+
+## Do Spend rules apply to reimbursements or third-party cards?
+
+No. Spend rules apply only to Expensify Card transactions. They do not apply to reimbursements, manually created expenses, or company cards from other providers.
+
+## Can a card have more than one Spend rule?
+
+No. Each card can have only one Spend Rule. A Spend Rule uses either the **Allow** or **Block** restriction type.
+
+## Can a Spend Rule override the default protections?
+
+No. Default protections (such as ATMs and gambling) are part of the Expensify Card program. They are always enforced and cannot be edited or overridden by a Spend Rule.
+
+## Why is a card visible in more than one workspace showing the same Spend rule?
+
+Spend rules are enforced at the card level. If a cardholder is a member of multiple workspaces and the card appears in each, the same Spend rule can be viewed and managed from each location.
+
+## What happens to a Spend rule when a card is replaced?
+
+If a member loses a card or orders a replacement, Expensify automatically copies the Spend rule from the old card to the new one. Note that "Combo" cards from Expensify Classic always use the rule tied to the physical card; to set a separate rule for a virtual card, issue a new virtual card.

docs/articles/new-expensify/expensify-card/Set-Up-and-Manage-the-Expensify-Card.md

@@ -69,6 +69,8 @@ You can issue virtual or physical cards to employees:
 8. Name the card for easier tracking
 9. Click **Issue card** to confirm
 
+When issuing a card, you can also apply an existing Spend Rule or create a new one so the card has real-time spending controls from its first use. To learn more, [learn how to set up Expensify Card Spend Rules](/articles/new-expensify/expensify-card/Expensify-Card-Spend-Rules).
+
 ![Choose a Smart limit type]({{site.url}}/assets/images/ExpensifyHelp-ExpensifyCard_03.png){:width="100%"}
 
 ![Click issue card to confirm and issue the card]({{site.url}}/assets/images/ExpensifyHelp-ExpensifyCard_04.png){:width="100%"}
@@ -88,6 +90,8 @@ You can issue virtual or physical cards to employees:
    - Deactivation
 4. To change the linked bank account, update settlement frequency, or manage cash back settings, click **Settings**.
 
+Your workspace also has built-in default protections that automatically block certain transaction categories on every Expensify Card, and you can set Spend Rules to approve or decline transactions in real time. To learn more, [learn how to set up Expensify Card Spend Rules](/articles/new-expensify/expensify-card/Expensify-Card-Spend-Rules).
+
 ![Click Expensify Card in the left menu to see a list of cards]({{site.url}}/assets/images/ExpensifyHelp-ExpensifyCard_05.png){:width="100%"}
 
 ![Click the card row to view the card details and make settings adjustments]({{site.url}}/assets/images/ExpensifyHelp-ExpensifyCard_06.png){:width="100%"}

docs/articles/new-expensify/expensify-card/Troubleshoot-Expensify-Card-issues.md

@@ -59,6 +59,17 @@ Every workspace has a shared spend limit that affects all cards. If the workspac
 
 Workspace Admins can check the available limit by going to **Workspaces > [Workspace Name] > Expensify Card**. From there, Workspace Admins can view the current balance, remaining limit, and any warnings related to settlement.
 
+## Transaction declined by a Spend Rule
+
+Your Workspace Admin may have set a Spend Rule on your card that declines transactions based on the merchant, spend category, or amount. Certain categories (such as ATMs and gambling) are also blocked by default on every Expensify Card and cannot be overridden.
+
+To check whether a Spend Rule caused the decline:
+
+- **On web:** Go to **Account > Wallet > Expensify Card** using the navigation tabs on the left.
+- **On mobile:** Go to **Wallet > Expensify Card** using the navigation tabs at the bottom.
+
+Then click your card to view its Spend Rule summary. If a Spend Rule is blocking your purchase, contact your Workspace Admin, since only an admin can change the rule. To learn more, [learn about Expensify Card Spend Rules](/articles/new-expensify/expensify-card/Expensify-Card-Spend-Rules).
+
 ---
 
 # FAQ