We've clarified in our documentation how spend limits on our Card (
spend_limit) and Account objects (
lifetime_spend_limit) work. While permitted values for these fields are 0 or greater, only a limit of 1 or greater will result in declined transactions due to checks against the limit. A spend limit of 0 is effectively no limit, and should only be used to reset or remove a prior limit. In other words, for any Card or Account for which a user wants to ensure that spending is capped at a particular amount, a spend limit of at least 1 should be applied.