How to Request and Increase an ACH Limit (Up to $25,000)

If you need to process ACH payments that exceed your current transaction limit, you can request an increase through our payment processor, Finix.

Requirements for an ACH Limit Increase

To submit an ACH transaction limit increase request, please provide the following:

• Desired ACH transaction limit – Specify the new per-transaction limit you are requesting.
• Business bank statements – Provide your last six months of business bank statements.
• Supporting invoices – Submit 1–3 invoices (open or closed) that justify the requested transaction limit.
  
  

How the Request Process Works

Once you've gathered the required documentation:

1. Determine the ACH transaction limit you would like to request.
2. Collect your last six months of business bank statements.
3. Gather 1–3 supporting invoices.
4. Submit the documentation to our Support Team.
5. We will forward your request to Finix for review.
6. Finix will evaluate your request and determine whether the requested increase can be approved.
7. Our team will monitor the request and keep you updated throughout the review process.
   
   

Maximum ACH Transaction Limit

Under the current Finix processing arrangement:

• The default maximum ACH transaction limit is $50,000 USD per transaction
• This limit applies to all accounts using this processing setup.
• Requests exceeding $25,000 cannot be approved under the current arrangement and will require an internal review in collaboration with the Finix team.
  
  

What If Your Payment Exceeds the ACH Limit?

If your payment exceeds the approved ACH transaction limit, you have several options:

• Split the payment into multiple ACH transactions, ensuring each transaction remains within the approved limit.
• Use a wire transfer for larger payments.

Note: Splitting a payment into multiple ACH transactions may result in multiple processing fees, as each transaction is processed separately.

Troubleshooting

If an ACH payment fails because it exceeds your transaction limit:

• Verify that the payment amount is within your approved ACH limit.
• Consider splitting the payment into multiple ACH transactions.
• Use a wire transfer for larger payments.
• If you frequently process high-value ACH payments, submit a request to increase your transaction limit.
  
  

Frequently Asked Questions

How long does the ACH limit increase review take?

The review and approval process depends on the accuracy and completeness of the documentation submitted. If all required documents are provided and no additional information is needed, the review can typically be completed within two business days from the date the documents are submitted to Finix.

Conclusion

ACH transaction limit increases are subject to review and approval by Finix. 

Providing complete documentation, including your desired transaction limit, six months of business bank statements, and supporting invoices, helps ensure your request can be reviewed as quickly as possible.

Please note that the maximum ACH transaction limit available through the current Finix processing setup is $25,000 per transaction. For payments exceeding this amount, consider splitting the payment into multiple ACH transactions or using a wire transfer.