Shape your spending · shape your goals
Spending limits, category blocks, time windows, and live approvals — set the rules in a clear moment, and the card enforces them on every swipe.
No personal credit check · No annual fee · No hidden charges
Already have an account? Cardholder portal·Approver sign-in
How it works
Shape the ruleset, let the network enforce it, and keep a human in the loop for the edge cases — whoever is holding the card.
01
SHAPE
Design the ruleset — limits, categories, time windows — with plain controls or a sentence of natural language.
02
CONTROL
Rules are enforced at the card network in the authorization window. A blocked swipe declines before the receipt prints.
03
APPROVE
Edge cases escalate to a real person: the purchase stops and pings the approver, who has real time to decide — approve, and a quick tap-again goes through.
What the rules can do
Per-swipe spending limits
daily · monthly · per-transaction
Category & MCC blocks
gambling, cash, custom codes
Time-window rules
school hours, weekends, curfews
Live approve / decline
push the approver, then tap again
Who's holding the keys
One card. Your rules.
Caps, category locks, and time windows for the card in your own wallet.
Spend with a backup.
A partner, sponsor, or coach approves flagged purchases in real time.
Issue cards to people you trust.
You hold the rule editor — a teen, parent, or contractor holds the card.
No credit check · No annual fee
Categories, merchant codes, time windows, geography, specific merchants, and delegated cards — every chip below is a real rule. Set it with a control, or describe it and ShapeCard AI writes it.
My son’s allowance used to vanish at the gas station — vapes, energy drinks, scratch-offs, whatever the guy behind the counter would sell him. Now the card just says no at those registers, and I didn’t have to become the villain to make it happen.
Composite stories from our early-access design-partner program. Details changed to protect privacy.
Solutions
The same primitives — categories, MCCs, time windows, geography, live consent — compose into very different products depending on what you're trying to protect.
Behavioral discipline
Lock the categories that you'd regret in the morning. Open them only when a second person consents — or leave them closed.
Family allowances
Issue a card to a teen, a college kid, or an aging parent. They swipe in real life; you see every authorization in your activity feed, and you stay one tap away from a block.
Travel & per-diem
Geo-fence a card to the countries you're visiting, time-box it to the dates of the trip, and bound it to lodging, dining, and ground transport. Out of zone or out of window, it declines.
Recovery & accountability
Hand the override key to a sponsor, therapist, or accountability partner. They approve unlocks; you can't quietly raise your own limits at midnight.
The dashboard
Limits, categories, and time windows on the dashboard — and when a purchase needs a human, the approval lands on your phone.
Inside the product
The rules you set are the rules the card enforces. The portal is where you write them; the approver inbox is where the edge cases come for a second pair of eyes.
Cardholder portal
Configure cards, freeze them instantly, set time windows in plain English, and watch authorizations land in your activity feed. Designed for clarity, not for spreadsheets.
Approver inbox
When the cardholder swipes inside a guarded merchant or category, the purchase stops and you get a push with the full context. Approve or decline from your phone — then they tap again to complete it.
Compare Plans
Start free. Upgrade when your controls need to grow — no credit check at any tier.
Essential
Everything one person needs to shape a card — spending, category, and country controls. Always free.
What's included:
Plus
Advanced controls, AI, and real-time approvals for households and power users.
Everything in Essential, plus:
Pro
Maximum accountability — geo-fencing and approver-gated rules for recovery, delegation, and high-trust setups.
Everything in Plus, and more:
