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MyCardRules Integration


Banno offers enhanced card controls through the MyCardRules integration. Accessible entirely within Banno Apps or Banno Admin, these controls offer robust self-service fraud prevention options to users.

For access to Card management in Banno People, the admin user must have the Banno People Manage everything permission enabled.

What can it do?

Banno’s MyCardRules integration brings the core functionality of the stand-alone MyCardRules app into the Banno Apps experience. Within the Cards dashboard, a selection of controls are available for users to configure from any Banno App.

Lock Card

  • Manage cards
  • Select card
  • Toggle switch
  • Confirm

Instantly deactivate a card, denying transactions on the selected card. Recurring payments may continue, and credits and deposits will still be allowed.

Alerts and protections

  • Manage cards
  • Select card
  • Alerts and protections
Users can enable a wealth of settings based on spending amounts, transaction types, merchant types, and more, allowing them to control when they get alerted or when to decline a specific transaction. From the Alerts and protections card, users can also choose to be notified on all transactions by activating the Notify me on all transactions toggle.

Locations

  • Manage cards
  • Select card
  • Alerts and protections
  • Locations

The user can set notify or block controls on transactions from specific locations. Currently, Banno Apps support blocking international transactions.

Note: If a block control is enabled, the alert control will be enabled by default and cannot be disabled. Blocked transactions will always generate an alert for the user.

Merchant types

  • Manage cards
  • Select card
  • Alerts and protections
  • Merchant types
The user can set notify or block controls on transactions that have been identified as coming from specific merchant types. The available list includes:

Department store
Includes clothing, accessories, office supplies, electronics, etc.
Entertainment
Includes amusement parks, movie theaters, arcades, etc.
Gas station
Includes fuel dispensers, warehouse club gas, etc.
Grocery
Includes supermarkets, bakeries, butchers, etc.
Household
Includes utilities, contracted services like electricians, plumbers and A/C repair, etc.
Personal care
Includes drug stores, pharmacies, health professionals, etc.
Restaurant
Includes diners, fast-food, cafeterias, etc.
Travel
Includes airlines, car rentals, hotels, etc.
Age restricted
Includes liquor stores, smoke shops, casinos, adult stores, etc.
Other
Purchases at other merchants

Users have access to full descriptions of each merchant type within any Banno app by selecting the Merchant type details option when viewing their notify and block settings.

Note: If a block control is enabled, the alert control will be enabled by default and cannot be disabled. Blocked transactions will always generate an alert for the user.

Transaction types

  • Manage cards
  • Select card
  • Alerts and protections
  • Transaction types

The user can set notify or block controls on transactions of specific types. The available list includes:

In-Store
Includes department stores, pharmacies, other retail stores, etc.
eCommerce
Includes online bill payment, online shopping, etc.
Mail/Phone order
Includes catalog shopping, travel agents payments, etc.
Auto Pay
Includes automated bill payment, monthly suspense payments, etc.
ATM
Includes bank ATMs, vendor ATMs, cash advance, etc.
Other
Includes other cases outside of standard types.

Users have access to full descriptions of each transaction type within any Banno app by selecting the Transaction type details option when viewing their notify and block settings.

Note: If a block control is enabled, the alert control will be enabled by default and cannot be disabled. Blocked transactions will always generate an alert for the user.

Spending limits

  • Manage cards
  • Select card
  • Alerts and protections
  • Spending limits
The Spending limits menu allows users to set both individual transaction and monthly spending limits. The following controls are available:

Spending limit
Transactions over this amount will be blocked and an alert will be sent to the user.
Spending alert
Transactions over this amount will send an alert to the user, but will not be blocked.
Monthly spending limit
Transactions that would bring the user’s monthly spending over this amount will be blocked and an alert will be sent.
Monthly spending alert
Transactions that would bring the user’s monthly spending over this amount will send an alert, but will not be blocked.

Each of these controls can be set independently. However, the app will enforce a set of rules for these limits:

  • If both Spending limit and Spending alert are set, the alert amount must be lower than the limit.
  • If both Monthly spending limit and Monthly spending alert are set, the alert amount must be lower than the limit.
  • Transaction limits and alerts must be lower than any corresponding monthly limits and alerts.

If any of these rules are violated, the user will be unable to save their settings and an input error will display the corresponding rule to correct for.

Notification settings

  • Manage cards
  • Select card
  • Alerts and protections
  • Notification settings

Users can set preferred notification methods for both blocked transactions and notification alerts. By default, In-app message will be selected for both, but users may enable any or all of the following options:

  • In-app message
  • Email
  • Text message

If the user disables all notification methods for either alert type, the Save button will be disabled and a message will inform the user that at least one method must be selected.

What enterprise tools are available?

A user’s current settings can be viewed and edited on behalf of the user from within the Card management card for that user in Banno People by selecting Alerts and protections. Available options are identical to those located within Banno Apps, including enabling or disabling any available alerts or transaction blocks. Any notifications or blocked transactions are logged in that user’s Notifications tab, and any changes to card controls will trigger an Activity event.

Card management can be disabled for a user within Banno People. This will disable all card controls, not just those provided by the MyCardRules integration.

Enterprise users also have access to mConsole, the stand-alone MyCardRules enterprise app. While much of the functionality in mConsole will be accessible to Banno users, it is not the recommended portal for configuring the MyCardRules integration as some data will appear differently in that app. For more information, please contact Banno Support.

What’s different between the stand-alone app and MyCardRules integrated into Banno?

  • Dependent cards: Each end user with access to the account has access to controls+alerts. In the stand-alone app, end users can have granular controls+permissions.
  • My location: In the stand-alone app, end users can restrict transactions based on the location of your mobile phone.
  • Region: In the stand-alone app, end users can restrict transactions based on specific geographic regions.

FAQ

Who is able to use the MyCardRules integration?
The MyCardRules integration is currently available for users with debit cards on the SilverLake, 2020, Core Director, and Episys core.
Can a user block all transactions?
While the stand-alone MyCardRules app allows for blocking all transactions for a card, Banno Apps do not utilize this same functionality as this is already possible by disabling a card.
Do end users need to manage their MyCardRules settings separately for debit and credit cards?
Yes, MyCardRules settings for debit cards must be managed separately from MyCardRules settings for credit cards.