Learn about payment processing limits in QuickBooks Bill Pay

Like other accounts payable services, QuickBooks Bill Pay sets payment processing limits to protect customers from suspicious activity.

Every account with QuickBooks Bill Pay sets a processing limit based on payment history, risk profiles, and other factors.

To help us understand how you make payments, connect your bank account in QuickBooks Online using the Bank Transactions tab. This'll help us set the right payment limits for you and make any limit change requests faster.

This info isn’t currently available, but if you see “unable to schedule”, you can contact our Customer Support team. Our goal aims to never let customers face a payment processing limit issue. You can check if you’ve entered all the correct payment info. Double-check your limit and discuss potential next steps.

If you received a message about a 30-day limit (see image below), you likely hit a payment processing limit. It prevents you from scheduling any further payments. First, you can double-check the accuracy of all the payment info and then try again. You can also request a new limit by selecting Request a new limit.

You can try processing a smaller amount or try again in a few days. Review your scheduled Bill Pay transactions from the past 30 calendar days. Then, you can estimate when the transaction amounts no longer count toward the 30-calendar-day limit.

If you’re still running into issues, contact our Customer Support team.

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

When you schedule a payment for withdrawal (Day 1), it counts toward your limit 30 calendar days later (Day 31). This amount becomes available when you schedule new bill payments.

No, every account gets a custom limit based on factors and considerations like user provided info and past account activity.

For example, a company with enough payment history in Merchant Services/QuickBooks Payments gets a higher processing limit. This applies when signing up for QuickBooks Bill Pay. New QuickBooks Online companies often receive lower limits when applying for QuickBooks Bill Pay.

New users can expect their limit to change after the first month and again after the third month.

We review and adjust account processing limits weekly based on many factors, including bill pay transaction history.

If you hit a limit, an error message appears with an option to request a new payment processing limit.

If your scheduled payment exceeds your company's processing limits, you’ll see a page explaining why the payment was unsuccessful. It'll offer an option to request a new limit.

You can also go to Account and Settings. Select Expenses, then on Bill Pay, find Processing limit and select Request new limit.

Enter the estimated monthly total amount ($) of bills the company needs to pay and submit the request.

All Bill Payment transactions go through many checks to help us track and detect fraudulent activity.

Even if you haven’t hit a processing limit, your transaction might decline due to several factors.