Account Limits and Balances

In Pliant, the availableLimit on organizations or card accounts represents the total spending capacity of the account. It is calculated based on the creditLimit and balance, and applies across all account types — whether the account is prefunded, credit, or hybrid. The balance value varies based on the type of account and represents the current funds or remaining credit, depending on the organization's account type.

creditLimit

The credit limit is the fixed amount a (credit / hybrid) organization can spend per month. For prefund organizations it is not set.

balance

The balance starts at 0 EUR for each organization and changes with actions like a purchase or a top up (prefund / hybrid).

availableLimit

The available limit represents the amount of money which can be actually spend. This might be less, equal or more than the credit limit (if there is a credit limit). It can also be calculated by balance + creditLimit = availableLimit.

It is:

• less, if a credit organization has spent some money,
• equal, if nothing was spent yet,
• more, if a credit organization topped up additional money to the credit limit (=hybrid).

Examples

Prefunded Account

The account is pre funded with funds:

• Directly after organization onboarding
  • balance = 0 EUR
  • creditLimit = 0 EUR
  • availableLimit = 0 EUR
• After top up payment of 1.000 EUR
  • balance = 1.000 EUR
  • creditLimit = 0 EUR
  • availableLimit = 1.000 EUR
• After spending 100 EUR with a purchase
  • balance = 900 EUR
  • creditLimit = 0 EUR
  • availableLimit = 900 EUR

Credit Account

The account operates on a pure credit limit:

• Directly after organization onboarding with a credit limit of 1.000 EUR assigned
  • balance = 0 EUR
  • creditLimit = 1.000 EUR
  • availableLimit = 1.000 EUR
• After spending 100 EUR with a purchase
  • balance = -100 EUR
  • creditLimit = 1.000 EUR
  • availableLimit = 900 EUR

Hybrid Account

The account uses both a prefund balance and a credit limit:

• Directly after organization onboarding with a credit limit of 1.000 EUR assigned
  • balance = 0 EUR
  • creditLimit = 1.000 EUR
  • availableLimit = 1.000 EUR
• After top up payment of 200 EUR
  • balance = 200 EUR
  • creditLimit = 1.000 EUR
  • availableLimit = 1.200 EUR
• After spending 300 EUR with a purchase
  • balance = -100 EUR
  • creditLimit = 1.000 EUR
  • availableLimit = 900 EUR