Embedded Payments

Balance limits

Platforms can set minimum and maximum balance limits on their programs and on any accounts they create. These limits define how high or low balances can go, providing automated controls during transaction processing. When a transaction is initiated, the system validates whether the resulting balance falls within the allowed thresholds. Debit or credit transactions are accepted or rejected based on these limits, giving you greater control and flexibility over your account management. Overall , balance limits limits help manage financial risk, automate fund controls, and provide customizable options for efficient and secure account management across various business needs.

The minimum balance must be less than or equal to the maximum balance. The balance limits can be negative, zero, or positive.

The following table lists the minimum and maximum balance limits:

The following table lists the minimum and maximum balance limits
Account type	Minimum	Maximum
Transaction account	-99999999999.99	99999999999.99
Limited account	0	99999999999.99

Platforms with limited accounts

Platforms can set two types of Balance limits:

Platform-level limits: The maximum cumulative negative balance level for their program across all the platform’s processing accounts and client accounts. Platforms receive an initial webhook response when they are approaching their maximum limit (alert) and a secondary notification when they have breached their maximum limit. As platforms work with their clients to address negative balances, platforms are notified when they restore negative balances at pre-determined levels.
Account-level limits: The maximum negative balance each individual platform processing account and client account can go before transactions are rejected. The platform receives an immediate response when they try to process debit transactions that surpass account-level limits. The expectation is that the platform will work with their clients to remediate negative balances before further processing direct debits.

Note

Balance limits are set by default when you create a program or account. You cannot change these limits using the API. To enable negative balances on your limited accounts, you must opt in. To opt in, contact support. For more details, see Manage negative balance.

Platforms with transaction accounts

Platforms with transaction accounts can manage the account level balance limits of your the transaction account via the API.

Manage balance limits of your account

You can submit an API request to update the balance limits of an account.

Note:

The account must be in the PENDING_OPEN, OPEN or PENDING_CLOSE state.
The minimum balance must be less than or equal to the maximum balance.
The balance limits can be negative, zero or positive.
If you do not specify the balance limits while creating transaction account, the program-level defaults apply. Each transaction account has the following default balance limits:
- Default minimum balance: 0.00
- Default maximum balance: 99999999999.99
You can set minimum and maximum balances up to the following values:
- Smallest minimum balance: -99999999999.99
- Largest maximum balance: 99999999999.99

Sample request:

Json

{
  "balanceLimits": {
    "minimumBalance": "5000",
    "maximumBalance": "550000"
  }
}

Sample response:

Json

{
  "id": "40386addf40e4b8a825bc3847d84c260",
  "balanceLimits": {
    "minimumBalance": "5000",
    "maximumBalance": "550000"
  }
}