Questions

1. What is a Limit Increase?

2. What is an Over the Limit Notification (OTLN)?

3. What is the difference between a Limit Increase and an OTLN? 

4. When should a merchant request a limit increase?

5. How can a request be submitted?

6. What documentation is required?

7. How long does it take to process a request?

8. How can processing disruptions and delays be minimized while a request is under review?

9. What if a taxpayer cannot complete a payment because the amount is over the allowed limit?

A Limit Increase is a request to adjust the current approved processing limits for ACH and/or credit card activity. Limits may be increased for: 

• Per transaction (maximum amount allowed for a single transaction).
• Daily (maximum total processed in a day).
• Monthly (maximum total processed in a month).

An OTLN request supports a one‑time transaction that exceeds your current per‑transaction limit. OTLN requests are reviewed to help minimize disruption when a legitimate payment is over the approved limit.

A Limit Increase provides a permanent adjustment to your account limits, while an OTLN is a one-time or temporary exception for a specific transaction or short-term need.

A Limit Increase should be requested when a merchant anticipates that the current transaction limits (per-transaction, daily, or monthly) may not be sufficient to support your expected processing volume. This may occur due to business growth, seasonal peaks, onboarding of new clients, or higher-value transactions. Submitting the request in advance helps ensure uninterrupted processing and avoids potential transaction declines. 

Note: Service disruptions may occur if limits are exceeded. It is therefore essential to provide advance notice of increased processing needs to avoid declined transactions due to exceeding established limits.

Requests must be submitted through the designated online form. In some cases, specific partners may use their own intake process; however, these requests are routed directly to the appropriate team for processing. If you are unsure which method applies, please contact your Customer Success Manager (CSM) for guidance or our Customer Service team for assistance. 

Use the links below to submit the correct request: 

• Limit Increase Request form used to request an increase to per transaction, daily, or monthly processing limit. 
• Over Transaction Limit Notification (OTLN) form used to request review of a one-time transaction that exceeds the current per-transaction limit 

Note: Submitting the form does not guarantee approval. The decision is based on risk review and financial capacity validation.

Required documentation may vary depending on the request but typically includes supporting financial or transactional information to justify the increase, such as the two most recent years of audited financial statements or the two most recent years of business tax returns. Submitting complete and accurate documentation helps avoid delays. 

Turnaround times depend on request type and completeness of documentation: 

• Limit Increase typically 5–7 business days, assuming no additional documentation is required. 
• OTLN (one time over limit): Can generally be handled the same day if received before 2:00 PM Pacific Time.

Submitting complete documentation as early as possible helps support timely review and reduce the likelihood of processing delays.

While a request is under review, transaction declines or processing restrictions may occur, especially if current limits have already been reached or exceeded. 

To help reduce processing delays and support timely review: 

• Submit the correct form (Limit Increase vs. OTLN) 
• Attach all required supporting documentation, especially bank statements when requested 
• For OTLN requests, include proof of authorization for debit transactions or bank contact information for credit transactions 
• Submit OTLN requests before the published cutoff time for same-day handling 
• Provide complete documentation as early as possible to support efficient review. 

If a taxpayer attempts a payment that exceeds allowed limits, the issue is investigated and the merchant may be asked to submit the appropriate Limit Increase or OTLN request. Once resolved, the taxpayer is notified that the payment can be resubmitted.