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Learn about payment processing limits in QuickBooks Bill Pay

by Intuit10 Updated 1 month ago

Get answers to common questions about QuickBooks Bill Pay.

QuickBooks Bill Pay is a service you can add to QuickBooks Online to pay vendors and contractors, keep bills and payments organized, assign roles and permissions to your team for who can create, approve, and pay bills, and manage your 1099s in one place.

You can check out Learn about QuickBooks Bill Pay for QuickBooks Online to learn more about Bill pay. If you’re an accountant you can check out Add QuickBooks Bill Pay to your clients in QuickBooks Online Accountant.

Similar to other accounts payable services, QuickBooks Bill Pay has established payment processing limits to protect our customers against suspicious activity.

Every account with a QuickBooks Bill Pay subscription has a processing limit impacted by multiple factors, including QuickBooks Bill Pay payment history, risk profiles, and other factors. This limit is similar to direct deposit limits with QuickBooks Payroll. Our team is consistently working to ensure customers can continue paying their bills without interruption.

All customers have a 30-day limit for processing bill payments. The total amount of all scheduled payments accrue toward your processing limit. This limit resets 30 days after the withdrawal date.

If you schedule a payment to be withdrawn (Day 1), this amount will count toward your limit, then 30 days later (Day 31), this amount should be available when you schedule new bill payments.

No, every account has a tailored limit that is determined using multiple factors and considerations including user provided information and past account activity.

As an example, a company that has sufficient payment processing history with Merchant Services/QuickBooks Payments will likely have a higher processing limit when they sign up for QuickBooks Bill Pay, compared to a brand new QuickBooks Online company applying for QuickBooks Bill Pay.

We review and adjust account processing limits periodically based on a number of factors including bill pay transaction history. See above for more information.

For new users, you may expect your limit to change after your first month and again after your third month of usage.

If you received a message that your payment can’t be scheduled, you may have encountered a payment processing limit. First, you may want to verify that all payment information is correct and then try again.

If you continue to see the “unable to schedule” message after you’ve confirmed that all payment info was entered correctly, please contact our Customer support team by following the steps below to confirm if a limit was met:

  1. Go to ?Help.
  2. Select Search.
  3. Search for Customer and Vendor Payments, then select Contact Us.
  4. Select a contact method.

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Today, this information is not available. Our goal is that users never encounter a payment processing limit issue. If you continue to see the “unable to schedule” message after you’ve confirmed that all payment info was entered correctly, please contact our Customer support team by following the steps below to confirm if a limit was met:

  1. Go to ?Help.
  2. Select Search.
  3. Search for Customer and Vendor Payments, then select Contact Us.
  4. Select a contact method.

You can try processing a smaller amount, or try again in a few days. Review your scheduled Bill Pay transactions over the past 30 days to estimate when transaction amounts will no longer count towards the 30 day limit.

If you are still running into issues, please contact our Customer support team by following the steps below to confirm if a limit was met:

  1. Go to ?Help.
  2. Select Search.
  3. Search for Customer and Vendor Payments, then select Contact Us.
  4. Select a contact method.

The ability to request higher limits is coming soon. In the near term, we plan to introduce a product feature that allows customers to request an increase by providing documents for our review team (like bank statements).

All Bill Payment transactions go through multiple checks to help us monitor and detect fraudulent activity.

Even if you haven’t hit a processing limit, your transaction may be declined due to a number of factors.

Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.  For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/

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