This is something payment providers and banks should be offering. Otherwise you’re hoping each of N sellers will spend engineering money to individually implement a feature that realistically reduces their potential profit, on the vague promise that it’s some kind of beneficial feature that will bring them profit, which is never going to work like you hope.

My Dutch bank offers such a thing on SEPA direct debits. If a company sends a debit request, it must stay within X euros per month or otherwise it's not automatically accepted and I'll have to explicitly allow/reject it.

Rejection will block the payment and the company will likely go after you to settle the dispute.