Processing Limits Overview
Purpose: These limits protect clients and ProPay from fraud, and align with credit-card industry risk standards.
Per-transaction & monthly limits:
ProPay sets both per-transaction and monthly limits for each merchant—defaulting to $500 per transaction and $3,000 per month.The per-transaction limit is the maximum amount that a merchant can charge one customer at a time. Note that splitting a large transaction into several smaller transactions to fit under the limit is against ProPay's policy.
The monthly limit is the maximum amount that a merchant can process in one month.
Exceeding Limits
Declines: Transactions are automatically declined if they exceed either the per-transaction limit or the monthly limit.
Permanent Increases for Limits
To get a permanent limit increase, you will need to contact our support team to request that change, and our team will reach out to ProPay with the increase request. Include the proposed limit amount in your message.
Based on ProPay's review, note that they may ask for the following information based on the proposed increase:
Moderate increases: ProPay often asks for recent 3 months of processing statements to assess transaction history and chargebacks.
Larger increases (e.g., ~$150K+/mo): Requires 2 years of financial statements (P&L, balance sheets, audited if possible), or business tax returns .
Bank statements may also be requested for verifying cash flow and capacity to cover chargebacks.
Our team will reach out to you if we need require any further information for the increase.
Reserves & Account Holds for Larger Limits
Large or riskier limit increases may trigger a reserve—temporary withholding of funds—with notification in advance. The reserve deposit is held as protection against any possible chargebacks that may occur.
ProPay Resolutions team may flag suspicious transactions or evidence of fraud, request proof (receipts, delivery tickets), and hold funds until verified.
If an account goes negative (chargebacks/refunds), collections can automatically debit funds—or seize from linked bank—unless a payment plan is arranged.
The funds in reserve will be released 6-7 months after you either lower your processing limits or close your ProPay Account.