ACH Limits Explained

OUTLINE

The Automated Clearing House payment network, governed by NACHA, is the largest electronic payment network in the U.S. ACH limits relate to the size and frequency of payments that go through the ACH network.

These limits are set at both the network level and the institutional level, and limits can vary widely based on the institution, account type, and transaction type. ACH limits are designed to control risk, prevent fraud and ensure regulatory compliance.

Types Of ACH Limits

Transaction Limits: Limits that restrict the maximum dollar amount for a single ACH transaction.
Daily Limits: Limits that restrict the amount that can be transacted on a per-day basis.
Weekly Limits: Limits that restrict the amount that can be transacted on a weekly basis.
Monthly Limits: Limits that restrict the amount that can be transacted on a monthly basis.

ACH Limit Factors

Account Type: Business accounts will usually have access to higher limits than individual accounts.
Transaction Type: ACH credits (push transactions) will often have higher limits than ACH debits (pull transactions).
Risk Profile: Most ACH ODFIs will adjust limits based on their customers’ risk profile, based on their transaction history, operating industry, and account age.

ACH Network Limits

Regular ACH: Standard ACH payments have no defined network limit, meaning it is theoretically unlimited. Banks and Financial Institutions usually set their own lower limits on their customers.
Same-Day ACH: The Same-Day ACH service has a hard network limit of $1 million. Banks and Financial Institutions may set their own transaction limits on customer accounts.

VoPay ACH Transaction Limits

VoPay grants individual customers their own per-transaction ACH limits, as well as daily, weekly, and monthly limits. These limits are set based on industry, account age, and current plan. For more information, please contact your Account Manager.

Learn More about ACH

ACH (Automated Clearing House)

ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers. Also known as “direct payments,” ACH payments are a way to transfer money from one bank account to another without using paper checks, credit card networks, wire transfers, or cash.