Learn about payment processing limits in QuickBooks Bill Pay

Your processing limit is the total amount you can schedule in Bill Pay payments within a rolling 30-day period. We set this limit to protect your account from fraud and suspicious activity, based on your payment history and risk profile.

Tip: connect your bank account under the Bank Transactions tab in QuickBooks Online. This helps us set the right limit for you and speeds up any future limit requests.

You can now see your limit right in QuickBooks. It shows up in four places:

Every payment you schedule counts against your limit for 30 calendar days from its withdrawal date. After that, it drops off and frees up room.

Example: You schedule a $5,000 payment for withdrawal on June 1. That $5,000 counts against your limit through July 1. On July 2, it drops off and you have that much room again.

You'll see a message saying you've reached your 30-day limit, and you won't be able to schedule new payments until you free up room.

[image: 30-day limit message]

To fix it, you can:

Still stuck? Contact our Customer Support team.

No. Your limit is based on your account's payment history and risk profile. Accounts with more payment history — including through QuickBooks Payments — usually start with a higher limit. New QuickBooks Online companies typically start lower.

If you're a new user, expect your limit to be reviewed after your first month, and again after your third. After that, we review and adjust limits weekly based on your payment activity.

There are two ways to request a new limit:

Enter the estimated monthly total ($) of bills you need to pay, then submit.

Every Bill Pay payment goes through fraud and risk checks, separate from your processing limit. A payment decline doesn't always mean you're over your limit. Review this article for other reasons a payment can be declined or fail.