---
title: "RedotPay card settings: payment controls, limits, currencies and freezing"
description: "Every switch on your RedotPay card's Settings, Security settings and Limit screens: online, in-store and ATM payments, per-transaction and daily limits, allowed currencies, which balance pays first, low-balance alerts, 3DS, freezing, the 1,000 USD cap after a security change, 'temporarily frozen', and where to see the card number and CVV."
---

> Documentation Index
> Fetch the complete documentation index at: https://redotdocs.com/llms.txt
> Use this file to discover all available pages before exploring further.

# RedotPay card settings: payment controls, limits, currencies and freezing

Everything you can change about a RedotPay card sits behind the four buttons under it: **View**, **Freeze**, **Limit** and **Settings**. Two more controls, which balance pays first and the low-balance alert, live under your profile. This page goes through all of them, screen by screen.

> **Checked 2 November 2026**
>
> Screens from the RedotPay app (v3.14.3, captured 26 October 2026, virtual card). Rules from the official help centre on 2 November 2026. RedotPay can change both; the app has the final word.

## The four buttons under your card

| You want to | Where it is |
|---|---|
| Stop online payments but keep paying in shops, or the reverse | **Settings** → **Security settings** → the two switches |
| Allow cash withdrawals with the physical card | **Settings** → **Security settings** → ATM Withdrawals |
| Cap what one payment, or one day, can take | **Limit** |
| Block payments in currencies you never use | **Settings** → **Security settings** → **Set Transaction Currencies** |
| Choose which coin or balance pays first | Profile icon → **Payment settings** → **Payment Priority** |
| Get warned before the balance runs out | Profile icon → **Payment settings** → **Low balance alert** |
| Stop the card for a while | **Freeze** |
| Change the PIN of a physical card | **Settings** → **Change card PIN** |
| Get rid of the card | **Settings** → **Delete card**, see [deleting a card](/en/security/delete-card-or-account/) |

## Payment controls: online, in-store, ATM

**Card** → **Settings** → **Security settings**. Each switch applies to this card only; if you have several cards, set each one.

RedotPay's guide lists three switches:

- **Online transactions**: web and third-party wallet payments.
- **Offline transactions**: point-of-sale payments in shops.
- **ATM withdrawals**: physical cards only. It isn't on the screen above because that card is virtual. Turn it on before you go to a cash machine; see [ATM withdrawals](/en/cards/atm-withdrawals/).

There is no separate contactless switch. A contactless tap is an in-store payment, so it follows **Offline Transactions**, and a physical card doesn't tap at all until you activate it. If a tap is declined while the switch is on, the cause is usually the terminal, a regional contactless limit or several taps in a row; insert the card and use the PIN instead. See [card declined in a shop](/en/troubleshooting/card-declined/).

> **One switch off is cheaper than deleting**
>
> A card that only pays subscriptions can have **Offline Transactions** off; a card you only use in shops can have **Online Transactions** off. Leaked details then can't be used the other way, and you can switch back any time. Deleting a card is permanent and the card fee isn't refunded.

## Transaction limits

**Card** → **Limit**, then the pencil next to each amount. You can set a per-transaction limit, a daily limit, or both, separately for each card.

A payment above either limit is declined, and declines beyond the third in a month cost 0.50 USD each (see [fees](/en/fees-limits/)). A good habit: keep the daily limit close to what you normally spend and raise it just before a large purchase.

### Why the limit drops to 1,000 USD after a security change

When you change or remove your phone number, email address or Google Authenticator, or reset your password, RedotPay caps the card at **1,000 USD per transaction and 1,000 USD per day for 24 hours**, whatever your own limits say. The usual limits come back on their own after 24 hours. A password reset or an email or phone change also pauses withdrawals for the same 24 hours; see [withdrawing crypto](/en/deposits-withdrawals/withdraw/). Plan security changes for a day without big payments.

## Currencies the card can pay in

**Card** → **Settings** → **Security settings** → **Set Transaction Currencies**, toggle, then **Save**.

All supported currencies are on when the card is issued. If you turn one off, any payment charged in that currency is declined, because it can't be settled. The setting is per card. On the card we checked the list was USD, EUR, HKD, JPY, SGD, AED and **Other**.

Two things this setting does not do:

- It doesn't change fees. A payment in any currency other than the card's own currency costs 1.2%, whether or not that currency is switched on. See [fees](/en/fees-limits/).
- It doesn't choose the currency a shop charges in. If a site bills you in euros and EUR is off, the payment fails; that's a common cause of an unexplained [decline](/en/troubleshooting/card-declined/).

## Which balance pays first

Profile icon → **Payment settings**. These two settings apply to your whole account, not to one card.

To change the order of coins: **Payment Priority** → **Balance** → turn on **Custom priority** → press and hold a currency and drag it to the top → **Save**. Paying from crypto costs 1% to convert; paying from a USD balance in the card's currency costs nothing, which is why the order matters. See [what one payment costs](/en/fees-limits/).

## Low-balance alerts

Profile icon → **Payment settings** → **Low balance alert** → switch it on, enter an amount, **Save**. When your balance drops below that amount, you get an app notification and an email asking you to top up. Set it above your biggest monthly subscription: a declined renewal can cost a decline fee and a merchant retry.

## 3D Secure (3DS)

3DS is the extra check at checkout, a one-time code or an in-app approval, that confirms it's you. It is **not a switch in RedotPay**. The merchant decides whether a payment uses it. If a 3DS step fails or never appears, the merchant is the one to ask.

## Freezing your card

**Card** → **Freeze** blocks new purchases on that card. Your other cards keep working, and the same button unfreezes it. Your balance isn't affected; it belongs to the account, not the card.

Two things to know:

- While a card is frozen, merchants that keep trying it, subscriptions above all, still produce declines, and RedotPay says declined-payment fees may still apply. Cancel subscriptions with the merchant first.
- Freezing is the right first step if you see [charges you didn't make](/en/troubleshooting/unauthorized-charges/).

### "Temporarily frozen": RedotPay froze it, not you

RedotPay freezes a card on its own when someone enters:

- the wrong ATM PIN 3 times within 24 hours;
- the wrong CVV 3 times within 1 hour;
- the wrong expiry date 3 times within 1 hour.

A frozen card can't pay online, in shops or at ATMs. A freeze caused by CVV or expiry-date attempts lifts by itself after 24 hours. RedotPay doesn't say how a freeze caused by ATM PIN attempts is lifted; if it hasn't cleared after a day, [contact support](/en/troubleshooting/contact-support/). Three wrong CVV attempts can also mean someone has your card number: check your transactions and consider [replacing the card](/en/security/delete-card-or-account/).

## Billing address, card label and PIN

- **Change billing address**: enter the new address and tap **Save**. Shops and services like PayPal compare the address they hold with this one; a mismatch is a reason for a refusal.
- **Card label**: an optional name for the card, useful once you have more than one. You can hold up to 5 cards in a lifetime, deleted ones included.
- **Change card PIN**: physical cards only, after activation, 4 or 6 digits. Virtual cards have no PIN and can't be given one. If you forget the PIN, the same screen resets it; see [the physical card](/en/cards/physical-card/).
- **Delete card**: can't be undone. Freeze or switch off a payment type instead if the problem is temporary. What you lose is on the [delete page](/en/security/delete-card-or-account/).

## Your card number and CVV

**Card** → **View**, then confirm with Face ID, fingerprint or your device PIN, or with a code sent by email, SMS or Google Authenticator. The number, expiry date and CVV appear on screen.

The CVV is the three-digit code used to prove it's you when paying online. RedotPay's advice is simple: never share the number, expiry date or CVV with anyone, including people who say they work for RedotPay. Wherever you can, pay through [Apple Pay or Google Pay](/en/cards/mobile-wallets/), so the real number is never typed into a website. If you think the details have leaked, RedotPay sells a [virtual card](/en/cards/virtual-vs-physical/) replacement that changes the CVV and expiry date and keeps the number; it's described on the [delete page](/en/security/delete-card-or-account/).

Sources: RedotPay help-centre articles "How Do I Manage My RedotPay Card's Payment Controls?", "How Do I Manage My RedotPay Card Security Settings?", "How Do I Choose Which Currencies My RedotPay Card Can Use?", "How Do I Set Transaction Limits for My RedotPay Card?" and "Why Is My RedotPay Card Temporarily Frozen?" (checked 2 Nov 2026). App screens captured 26 Oct 2026.

Source: https://redotdocs.com/en/cards/card-settings/index.mdx