"Fleet wrap purchasing cards: check approval headroom before charging"
"Source","https://bluefinchadvisors.com/blog/fleet-wrap-purchasing-card-approval-headroom"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Approved purchase-order ceiling","12000","currency"
"Prior charges against this approval","6500","currency"
"Other approved unpaid commitments","1200","currency"
"Proposed next charge","4800","currency"

"Results","Value","Unit"
"Remaining approval headroom","4300","currency"
"Proposed amount over headroom","500","currency"
"Total committed after proposal","12500","currency"

"Calculation detail","Value","Unit"
"Prior charges","6500","currency"
"Separate open commitments","1200","currency"

"Assumptions"
"Starting values are examples, not market benchmarks or payment quotes."
"Use one currency and a consistent before-tax basis. Work out taxes and program-specific adjustments separately."

"Result notes"
"This checks commercial approval, not issuer credit availability or legal authority."
"Never use the result to divide a purchase into transactions that evade the buyer's controls."

"Sources"
"GSA SmartPay: purchase-card limits and purchasing approvals","https://training.smartpay.gsa.gov/training_purchase/lesson05/"
"Visa: merchant fees, rules, and surcharge disclosure","https://usa.visa.com/support/small-business/regulations-fees.html"
"Mastercard: merchant surcharge rules and debit exclusions","https://www.mastercard.us/en-us/business/overview/support/merchant-surcharge-rules.html"
"Stripe: separate authorization and capture","https://docs.stripe.com/payments/place-a-hold-on-a-payment-method"