What are my starting limits with ProPay?

Credit Card - $5000 per transaction and $12000 per month
ACH - $5000 per transaction and $13000 per month

How do I increase my limits with ProPay?

To increase your limits with ProPay, please email a request to limits@propay.com with the following information:

  1. ProPay Account Number 

  2. List the Per trans/per Month limit Merchant is requesting (indicate CC or ACH for desired limits) 

  3. Processing statements 

  4. Bank statements 

  5. Financial statements or balance sheet 

  6. Anticipated sales volume increase 

ProPay Limits responds to request within 1-3 business days. They may approve or ask further questions

What happens when I go above my limits?

ProPay has a feature called Soft Limits. If enabled on an account it allows the Merchant to continue to process even after they’ve reached the set monthly account limit. Once the account’s set limit has been reached, however, ACH deposits will be disabled until our Risk team has completed a review of the account’s transactions. This is to guard against fraud and mitigate risk. If there is a small limit overage, or the processing is within the Merchant’s expected pattern, the ACH hold will typically be released quickly. If the overage is significant or the processing appears to be outside the Merchant’s expected pattern, Risk may ask for documentation on a particular transaction(s). If the Merchant processes consistently above the set limit, Risk will encourage the user to provide documents for review so that Limits can set a higher and more appropriate limit going forward.

Why does my merchant account have limits?

Each merchant account has a per transaction and monthly limit as a way of mitigating the risk that merchants experience in the normal course of accepting card or ACH payments.In the event of any disputes on these transactions the disputed funds are removed from the merchant processing account by the card brands (for card payments) or by the customer’s bank (for ACH payments).This removal is dictated by banking regulation, card brand rules, and federal law.Therefore there is nothing that D-Tools or ProPay can do to stop these funds from being pulled back when disputed.The card brands have a process to appeal the dispute (called a chargeback) that relies on the merchant providing proof of authorization from the card holder.If that chargeback is awarded in the merchant’s favor then the funds will be returned to the merchant’s ProPay account.This process can take up to 60 days or longer depending on the card brand.NACHA, the governing body for ACH payments, does not have an appeals process for ACH returns.Because of that, any merchant who processes payments opens themselves up to additional risk if they are then unable to cover the resulting negative balance in their ProPay account when those funds are automatically pulled out of their ProPay account.


ProPay’s goal with setting limits is to ensure that merchants do not assume more processing risk than they can handle. It is never ProPay’s intent to stifle business growth, and we are committed to working with merchants and partners to effectively set appropriate limits for each account. In order to do so, ProPay will periodically request additional information to verify the merchant organization’s financial strength.

Why is ProPay asking for previous processing statements?

The most commonly requested documentation for a limit increase is 3 months of previous processing statements. This allows ProPay’s teams to have a snapshot of what is normal for that merchant as far as transaction amounts and totals, as well as to review what the average rate of refund/chargeback is for that merchant.Depending on the size of the limits the merchant is requesting, ProPay may request financial information in addition to previous processing.Also, if the merchant has one month that tends to be the busiest month, the merchant will please include this month of previous processing in addition to the 3 most recent months.


Why is ProPay asking for my bank statements?

If processing statements are not available (whether because it’s a brand-new merchant with no history, the requested limits are higher than what can be approved simply off of processing statements, or another reason) then the ProPay Limits team will request 3 months of previous bank statements.ProPay gives preference to business checking account statements, but will accept the personal checking account statements of the signer on the merchant account.In either case ProPay will need at least the 3 most recent months.ProPay asks for bank statements to establish that the merchant organization has the financial capacity to cover negative balances if they occur, has a consistent deposit history, maintains a healthy available balance, and otherwise can support the increased risk exposure related to higher processing limits.


Why is ProPay asking for my business’ financial statements?

If a merchant is requesting a substantial limit increase (around $150k per month or more) then the ProPay Limits team is required to do a financial analysis of the business.In order to complete this financial analysis ProPay will need copies of the merchant’s two most recent years of balance sheets and income statements (P&L).These financial statements do not need to be audited, however, if the merchant does have audited financials ProPay requests that the merchant use them.Business tax returns are an acceptable substitution for 2 years of financial statements.

What countries does ProPay work in?

While Propay is supported in multiple countries, it is only supported in the United States within D-Tools Cloud.

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