Per transaction limits
Learn what to do when you add a transaction that's greater than your per transaction limit.
Vanco establishes processing limits for ACH and credit/debit card transactions. We base the limits on the information provided by your organization on the credit application, by your processing history with us, and/or industry standards. When you add a transaction via My Vanco that is greater than your per transaction limit, you will receive the following error: Transaction greater than $XXXX.XX. In order for this transaction to process, you must add notes. Click here for instructions.
After you click the link in the error, the following information displays:
Please add notes to the individual's record. In order for Vanco to approve the transaction(s), you must include the following in your notes:
- Type of Authorization. Please indicate the type of authorization you have to process the transaction(s). Click here to see appropriate types of authorization. If you are unsure whether your authorization is appropriate for the transaction, you can call Vanco at 800-675-7430.
- Verify transaction(s). Please retype the amount of the frequency of the transaction(s) so we know you have entered the information correctly.
- State purpose of transaction(s). You are only allowed to process transaction(s) for the specific business purpose indicated in your credit application for your service. If you want to process transaction(s) that are not listed as your specific business purpose, you must get approval by calling us at 800-675-7430.Important: If the transaction(s) are greater than $5000.00, Risk Management will need to review the authorization. There will be a link with instructions.
Vanco does not permit splitting a payment to avoid the per transaction limit. We approve transactions from 8 AM to 4 PM Central Time Monday through Friday. We will contact you if we have questions or concerns regarding the transaction(s). If a large number of your transactions will be above your current per transaction limits, you can request an increase to your limits. Requests are made under .