Customer transaction limits

Returns the transaction limits configured for the specified customer based on the provided payment context (such as payment rail, amount, delivery date, and if applicable ACH SEC code and entry type).

Use this endpoint BEFORE initiating a payment to understand the limits that will be enforced during processing. This helps avoid payment failures caused by exceeding configured limits.

The response includes limits such as per-transaction, per-day, per-week, and per-month, depending on the selected payment rail and inputs.

  • When only paymentRail is provided, the endpoint returns all limits configured for that rail (per-transaction, per-day, per-week, and per-month).

  • secCode and entryType are applicable ONLY when paymentRail is ACH. These fields are ignored for all other payment rails.

  • For ACH payments:

    • entryType determines whether Debit or Credit limits are applied.
    • When secCode is also provided, the response includes SEC code specific transaction limits in addition to the standard ACH limits (per-transaction, per-day, and per-month).
SecurityoAuth2
Request
path Parameters
customerUID
required
number

Unique Customer Id

Request Body schema: application/json
required
paymentAmount
number <double>

Specifies the amount to be used for the payment. It is used to determine whether the payment exceeds any defined limits based on the value provided during payment initiation. If not specified, the amount defaults to zero. Max limit of payment amount is 10000000

deliveryDate
string

Format: String with valid format as: MM-DD-YYYY.

The date on which the payment is scheduled to be initiated. This is used to validate the customer's payment limits. If not provided, the current date will be used as the payment date.

paymentRail
required
string

The delivery method for the payment.

Acceptable values:

  • FEDWIRE: Fedwire payment
  • FEDNOW: FedNow real-time payment
  • RTP: Real-Time Payments
  • ACH: Automated Clearing House payment
Enum: "FEDWIRE" "FEDNOW" "RTP" "ACH"
secCode
string = 3 characters

An SEC code (Standard Entry Class Code) is a three-letter code that describes how a payment was authorized by the consumer or business receiving an ACH transaction.

This is an optional field and is applicable only when the delivery method is set to "ACH".

Enum: "POP" "CCD" "PPD" "WEB" "CTX"
entryType
string

Specifies the entry type of the ACH transaction. It defines the direction of funds movement.

This field is required only if:

  • secCode is provided, and
  • paymentRail is set to "ACH".

Allowed values:

  • CREDIT
  • DEBIT
Enum: "CREDIT" "DEBIT"
Responses
200

Successfully retrieved applicable transaction limits

204

No applicable limit data found for the given request.

400

Bad request — invalid or missing input fields.

401

You are not authorized to access the resource

403

Accessing the resource you were trying to reach is forbidden

404

The resource you were trying to reach is not found

500

Internal server error

post/v1/customers/{customerUID}/limits
Request samples
application/json
{
  • "paymentAmount": 100.55,
  • "deliveryDate": "06-30-2025",
  • "paymentRail": "FEDNOW",
  • "secCode": "CCD",
  • "entryType": "CREDIT"
}
Response samples
application/json
{
  • "limits": [
    ]
}