USER ACCOUNT CONTROLS FOR ONLINE TRANSACTIONS

A device may receive, from a user device, transaction data, the transaction data including: a user account identifier indicating a user account associated with the user device, and data indicating a particular merchant associated with a transaction. The device may provide the data indicating the particular merchant to a server device and receive, from the server device, a merchant identifier for the particular merchant associated with the transaction. The device may then identify, based on the merchant identifier and the user account identifier, a user account control, the user account control specifying a restriction for transactions associated with the user account and the particular merchant. Based on the transaction data, the device may determine whether the user account control is satisfied and perform an action based on a result of the determination.