Shape your spending · shape your goals

The control layer for your card.

Spending limits, category blocks, time windows, and live approvals. Set the rules in a clear moment, and the card enforces them on every swipe.

Shaping spending for:

No personal credit check · No annual fee · No hidden charges

Already have an account? Cardholder portal·Approver sign-in

Card Present

$500 per-transaction max

$1,000 daily · $5,000 monthly

Weekdays 9am–6pm only

No transactions after midnight

Holiday budget: Nov 15 – Dec 31

Team card: $50 daily cap

Intern stipend: $200/mo on books

EA travel card: flights & hotels

Ask me first over $25 at Domino's

$500 per-transaction max

$1,000 daily · $5,000 monthly

Weekdays 9am–6pm only

No transactions after midnight

Holiday budget: Nov 15 – Dec 31

Team card: $50 daily cap

Intern stipend: $200/mo on books

EA travel card: flights & hotels

Ask me first over $25 at Domino's

Card Not Present

How it works

Six rules, endless controls.

These six rule families are the core of the card. Layer them and they compose into controls that fit any need, enforced on every swipe. Keep scrolling and they line up.

Quantity

How much, how often

Time

Hours and active dates

Six rules, endless controls.

These six rule families are the core of the card. Layer them and they compose into controls that fit any need, enforced on every swipe. Swipe through them.

Quantity
How much, how often
Time
Hours and active dates
Category
What it can buy
Merchant
Overrides other rules
Geography
Countries, distance, states
Delegated Authority
Who signs off, and when

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ShapeCard AI

Ask your card anything.

ShapeCard AI answers from the card's real rules and its last twelve months of activity. Ask what was blocked and why, or have it draft the next rule in plain language.

ShapeCard portal, ShapeCard AI page — sidebar and chat panel

The portal's AI page — ask what was blocked and why.

See it in the portal

The screen is live · click through the sidebar

Solutions

One rule engine. Six shapes of discipline.

The same six families of quantity, time, category, merchant, geography, and delegated authority compose into very different products depending on who you're protecting, and from what.

A young man sitting on the edge of his bed at dusk, his jacket thrown behind him, keys and a plain green card on the duvet with his phone face down.

Jordan, 22

A budget your card enforces for you.

Story & ruleset

Jordan's payday guardrails

First real income, spending faster than it lands. A bank app is a ledger, not a brake. Nothing stops you in the moment. Set the edge while you are thinking clearly and let the card hold it.

Example ruleset

$150/day discretionary cap
Max 6 purchases per day
Bars & nightlife ask first after 10pm
Over $500 asks first, declines if unanswered
No transactions after 2am

Tap to flip back

A woman at her kitchen counter at dusk, a glass of water in one hand and her phone face down under the other.

Dana, 29

Late-night impulse buys, declined at checkout.

Story & ruleset

Dana's late-night lockout

A cart at midnight always feels affordable. Budgeting apps tell you what you overspent last week — none of them tell the card no at checkout. Set the ceilings yourself, enforced somewhere you cannot argue with them at 1am.

Example ruleset

$40/day and $250/week caps
Max 6 purchases per day
Fast food asks first after 9pm
Delivery apps blocked after midnight
Online shopping capped at $60/week

Tap to flip back

Two men talking across a kitchen table in afternoon light, coffee mugs and a notepad between them, one phone face down.

Mark, 52

Rules you set on a good day, kept on the hard ones.

Story & ruleset

A father passing a plain green card across the kitchen table to his teenage daughter, car keys and a laptop beside them.

Noah

Her first card, with training wheels on.

Story & ruleset

The starter card Noah set up

She is old enough to buy her own lunch and skate-park snacks, but a card with no rails at twelve is a lesson that costs $300. Hand her real money with edges on it, and widen them as she earns the room.

Example ruleset

Allow grocery, transit, skate park
$20/week allowance, auto-reloaded
Over $25 asks a parent
Online purchases blocked
Card sleeps during school hours

Tap to flip back

A young boy smiling as he holds up a plain green card in one hand and shopping bag straps in the other.

Max

Guardrails you widen as he grows.

Story & ruleset

Max's grow-as-he-goes setup

His son is learning to shop on his own, and one confusing checkout can undo months of confidence. The card replaces cash envelopes with real money on real rails — rails Max widens as his son grows into them.

Example ruleset

Allow grocery, pharmacy, transit
$25/day allowance, auto-reloaded
Over-limit pings Mom or Dad
Within 2 miles of home or school
Every decline explained in the app

Tap to flip back

An elderly man loading groceries into his own refrigerator while his adult daughter unpacks a paper bag at the counter behind him.

Lucy

A card that remembers the rules when Dad can't.

Story & ruleset

Lucy's scam shield for Dad

Her father's Alzheimer's is early — early enough that a phone scam cost him $4,000 before anyone noticed. The bank's answer was a frozen account that stripped his independence. Lucy sets the rules under a documented POA, and he keeps shopping without a daily fight.

Example ruleset

Only the stores near home
Within 5 miles of his house
Every decline explained
Gift cards and wire services blocked
His daughter approves anything over $100

Tap to flip back

Illustrative composites of who ShapeCard is built for, not customer testimonials. Photography is generated.

Compare Plans

Pricing that scales with your rules.

Start free. Upgrade when your controls need to grow, with no credit check at any tier.

ShapeCard Plus

Advanced controls, AI, and real-time approvals for households and power users.

Open Account

Everything in Essential, plus:

✓Time-window rules
✓Custom MCC categories
✓Custom locations (specific merchants)
✓ShapeCard AI assistant
✓Real-time approvals (live consent)
✓Natural-language rule authoringSoon
✓Date-range / trip windowsSoon

Essential

ShapeCard

Everything one person needs to shape a card: spending, category, and country controls. Always free.

Open Account

What's included:

✓Spending limits: per-purchase, daily, weekly, monthly
✓Category & MCC blocks
✓Category allow-listsSoon
✓Country restrictions
✓Ask-me-over-amount approvals
✓Virtual card + bank funding

ShapeCard Plus

Advanced controls, AI, and real-time approvals for households and power users.

Open Account

Everything in Essential, plus:

✓Time-window rules
✓Custom MCC categories
✓Custom locations (specific merchants)
✓ShapeCard AI assistant
✓Real-time approvals (live consent)
✓Natural-language rule authoringSoon
✓Date-range / trip windowsSoon

Pro

ShapeCard Pro

Maximum accountability: geo-fencing and approver-gated rules for recovery, delegation, and high-trust setups.

Open Account

Everything in Plus, and more:

✓Geography: proximity, states, alerts
✓Per-category time windowsSoon
✓Consent-gated rule editsSoon
✓Priority support