Quickbooks Bill Pay Elite - Payment Limit

Good day, @gop1. I'd be glad to provide answers to questions about QuickBooks Bill Pay.

Currently, QuickBooks Bill Pay doesn't impose daily or monthly limits on the number of payments you can make or the total amount of those payments.

However, for ACH Payments, there is a transaction limit of $25,000 per payment. This limit doesn't affect the overall monthly ACH payments under your QuickBooks Bill Pay subscription.

Concerning the error message you received, I'd suggest getting in touch with our QuickBooks Bill Pay Customer Team. They can check your account and provide answers as to why you're getting these prompts. 

Here's how to connect with them:

1. Sign in to your QuickBooks Online company.
2. Select (?) Help.
3. Click Contact Us, then select a topic to connect with the right expert.

To learn more about QuickBooks Bill Pay, you can check out this resource: Things you need to know about QuickBooks Bill Pay for QuickBooks Online.

Additionally, you can generate reports in QuickBooks, such as the Transaction List by Date, to see all payments made to a vendor throughout the year.

Feel free to ask if you have any more questions about QuickBooks Bill Pay payment limits. I'm here to help.

@gop1 

You should consider having a free Melio account to sync with QBO as an alternate option. While Melio doesn't restrict payment amounts, your bank may have its own limits on the amount of money you can pay. It's important to check with your bank before making a big payment to avoid any setbacks. You can also get a $100 cashback to pay the first bill.

https://quickbooks.intuit.com/learn-support/en-us/payments/new-qbo-online-bill-pay/00/1320646

Hello, 

Thank you for your response.I want to be friendly and kind on this forum, but also I need to be direct with my communication to explain our business' situation.

A few things:

1. We have sent multiple payments from QBO bill pay that are individually more than $25,000 each. This is exactly the type of problem we are running into. We get information from QBO support/the QBO team which does not match our actual experience with the product. We need to know these numbers with EXACT precision. Because we have successfully sent multiple payments in the past, each individually more than $25,000, we're unable to trust that response.

2. We receive this error very often:

"Payment can’t be scheduled right now
You’ve reached your payment limit.
Try scheduling again tomorrow or later this month."

Therefore, it is hard for us to believe that QBO does not have any limits in place.

3. We have spent at least 10 hours on the phone with Quickbooks support or using the chat regarding this issue. Each time, we have to go through the multi-hour process of the agent creating a ticket for a bug in the software. We have no more available time to spend with Quickbooks Support, we have fully exhausted our resources on that.

4. Similar to many QBO clients, we have mission-critical financial operations that have to get done. We cannot wait until the next time we see this error:

"Payment can’t be scheduled right now
You’ve reached your payment limit.
Try scheduling again tomorrow or later this month."

to begin to explore with QBO support what might be going on and what the fix might be. We need to know this information ahead of time.

Any other help/insight on this would help relieve our concerns!

Thanks.

Thank you! We have created a Melio account and are pursuing that as an alternative if we cannot get answers to our above question.

Hello, @gop1.

I hear your sentiments about paying bills with QuickBooks Bill Pay. I know that this hasn't been easy for you.

The $25,000 limit per payment mentioned by my colleague above is for faster ACH. For regular ACH payments, we recommend contacting our support team to help determine your specific limit as QuickBooks Bill Pay is subject to eligibility and each account is unique. I know you've already reached out to us a couple of times, but I would still encourage giving us another chance to help you out.

In the meantime, you can consider using another payment processor to pay your bills outside of the program. Then, manually record the transaction in QBO.

To learn how to track all the money paid to your vendor, you can check this article: Run a report with vendor totals.

Please let us know if you have any further questions about bills and payments in QBO. We're here to help whenever you need!

Thank you for your response. Did you see my original post? I agree we are reaching some kind of limit.

We need to know precisely what the limits are for how much we can send using "Quicbooks Bill Pay Elite".

Specifically we have to know:

1. Does QBO set a daily limit on the total number of payments we can make?

2. If yes, does QBO apply this limit to the day that we schedule the payment to go out on or the day that we actually enter the payment into QBO?  

3. Does QBO set a daily volume limit on the sum of all of the dollars of all of the payments made that day?

4. If yes, is this daily volume limit for the day that we schedule the payments to go out on or the day that we actually enter the payments into QBO?

5. We believe that the dollar limit of any individual payment that we make is $450,000. Is that correct?

6. Does QBO set a monthly limit on the total number of payments we can make?

7. If yes, does QBO apply this limit to the monthly that we schedule the payment to go out or the month that we actually enter the payment into QBO?  

8. Does QBO set a monthly volume limit on the sum of all of the dollars of all of the payments made that month?

9. If yes, is this monthly volume limit for the monthly that we schedule the payments to go out on or the month that we actually enter the payments into QBO?

We often receive this error:

"Payment can’t be scheduled right now
You’ve reached your payment limit.
Try scheduling again tomorrow or later this month."

We like "Quickbooks Bill Pay Elite" but if we can't get precise, accurate answers to these questions, we will be forced to use Melio or another third-party. 

Thank you!!

Hello,

Having the same issues!!!!!  My company is also on the Elite platform.

No one from Quickbooks can tell us what our 'daily' or 'monthly' limit is. Is the limit a dollar amount or can we only put thru so many ACH payments?  Spent several hours and finally spoke with a human who said she is  not given that information, can't see limits.  I asked who can see the limits her reply was no one.  We were told to try again tomorrow or cut a check!!! 

We've been shut down from making any payments for days, receiving the notice 'you've reached your monthly limit, try again tomorrow' messages.  All we want to know is what is that limit?  We need to make informed decisions on which vendors get paid when if QB is dictating our spend limit.  But without this knowledge we cannot make these decisions.

I pay crew labor, these folks are expecting direct deposit not a hard check.  With the mail the way it is today who knows when or if they will receive a check.  This is why we moved to ACH payments.  And I must point out that we cannot use the QB Pay system to cut the check, we have to physically cut the check ourselves.  The system is shutting us down for those as well.  Luckily we still have checks, many companies do not.

This is all very frustrating.

I too have been looking for alternatives to QB Bill Pay.

Hoping for a real answer......

@jude polude 

I too have been looking for alternatives to QB Bill Pay.

You can use Melio as a backup option if needed. There is no daily limit for paying bills.

https://quickbooks.intuit.com/learn-support/en-us/reports-and-accounting/has-anyone-been-able-to-set...

To clarify, ACH payments via QuickBooks Bill Pay are limited to maximum of $25,000 per transaction. However, please note that these payments do not count toward your overall monthly ACH payment limit within your subscription.  Additionally, the total amount you can withdraw may also vary based on your specific bank’s policies regarding QuickBooks Bill Pay.

I'm aware that you've already contacted our support team but since you've been unable to make any payments for several days, I encourage you to contact them again. They have the tools to investigate your account further and provide you with the information you need to manage your payments effectively.

Here's how to contact support:

1. Log in to your QuickBooks Online account.

2. Click the (?) Help icon.
3. Click Contact Us, then choose a topic to connect with the right expert.

In addition, you may find this article helpful to ensure your data remains accurate in the program: Run reports in QuickBooks Online.

Feel free to click the Reply button below if you have a follow up question about QuickBooks Bill Payment limit.  We're just one post away.

Thank you for the reply.

Not having issues with the $25k per transaction cap.  As a matter of fact we have paid much more than that per transaction.

I have gone to the help icon via our account and left 3 separate messages to have someone contact me "in 5 minutes".   I was even given ticket numbers for each.  No calls ever came in.

The representatives that did reply via the chat all said this was beyond their scope and I had to choose the option to have someone call me.

Trust me, I've spent hours on trying to get a satisfactory answer.

This is completely ridiculous.

Maybe you can supply me with the phone number of the department that can help me figure this out.

That would be very helpful.

Thank you.

Hi Chrea,

Thanks for the reply.

We are using Melio for now to make payments.  Unfortunately, Melio is moving to a pay platform at the end of the month.  We are already paying $90 to QuickBooks for the bill pay system I'm not going to pay Melio too just for back up.  They are offering a free subscription however it's not big enough to handle the number of our daily transactions.

Hello Quickbooks Team.

Is there a reply from on this issue yet?  I'm not seeing one.   WHAT ARE THE LIMITS? 

Are the limits based on how the number of ach transactions a month or is it a $$ amount?  WHAT ARE THE LIMITS?

Why are we being shut down from paying our bills?  WILL QUICKBOOKS PAY LATE FEES AND INTEREST? HA

It is so confusing to me that QuickBooks cannot tell us all what the limits are!  How many times do we have to ask?  

I'm currently looking for a different bill pay platform to move to.  And guess what....they ALL post their monthly limits up front and the extra cost if we go over those limits.  Nothing about shutting us down when limits are met. 

  Go figure.

Happy Friday 

Hi, Jude. I'd like to go over some additional details about your questions regarding limits when processing bill pay through QuickBooks.
 

Limits may apply on the total number of allowed transactions and amount of payments per month. This could be the reason why you're currently unable to use the Bill Pay feature. You can check this article for reference: QuickBooks Bill Pay.

Concerning to your question as to why you're being shut down from paying your bills,  I recommend checking our Acceptable Policy article for comprehensive details.

If you need further help or have more questions, please consider contacting our Bill pay support team again. They’re ready to offer you detailed information on this topic.

Additionally, I'm adding this link to monitor the payments made to your vendors within a specific period: Run a report with vendor totals.

If you have any further questions or require assistance with any other QuickBooks task, please don't hesitate to add them below. I'll be here to lend a hand.

Hi Glinette,

Thank you for the response.  I appreciate the information you have provided however the question is still not answered.  None of the links you provided give me an answer.

Your replied:

"Limits may apply on the total number of allowed transactions and amount of payments per month. This could be the reason why you're currently unable to use the Bill Pay feature"

Limits may apply......what are these limits?!?!   What is the total amount of allowed transactions and amount of payments?!?!  

I truly don't understand all this back and forth.  It is a straight forward question.  We have not been able to make payments because we reached transaction limits.  What are these transaction limits?  100 transactions a month?  200 transactions a month?  What are the payment amount limitation?  $100k a month?  $200k a month?

Not sure how else I can ask this question to get the answer I'm looking for.

You also suggested I contact the Bill pay support team.  Last time I was told they did not have access to that information which again makes no sense.

If you could provide me with that phone number I'd appreciate it.  Whenever I request a call via the chat robot I get no return call.

Please forgive my frustration.  I'm just looking for answers, answers no one seems to have.

thank you

I recognize how crucial it is to be aware of an account's transaction limits when using QuickBooks Bill Pay, Jude. 
 

Yes, limits are applied depending on the total number and amount of payments. If you have exceeded these limits, you can't make online payments until they are restored within 30 days. 
 

While I would want to provide you with the exact number and amount per transaction, the process requires some personal information, and we prioritize keeping your information secure. Therefore, I'd suggest re-contacting our QuickBooks support team for assistance as the Community is a public forum.
 

Please see the steps below to contact them:

1. Sign in to your QuickBooks Online account.
2. Click the Help button.
3. In the QuickBooks Assistance chat box, select Talk to a Human or tap the Contact Us button at the bottom.
4. Then, type in your reason for contacting us in the What can we help you with? Box and click Continue.
5. From there, choose a way to connect with us: Chat with us, get a Callback, or call our support line directly by getting our Phone number.

Additionally, refer to this article for other options when contacting them. You can also scroll down to the bottom to see their phone number, support schedule, and hours to contact them at the time of your convenience: QuickBooks Online Support.
 

To learn more about it, you can check out this article: Learn about QuickBooks Bill Pay for QuickBooks Online.
 

If you have any additional issues or need clarification regarding QuickBooks Bill Pay, please let me know. I am available 24/7 to help you.

Thank you for the reply.

Thank you for finally confirming that there are limits.  And to be honest I'm not concerned with you posting those limits here.

I will try and call Customer Service again.  However the last time I called the representative told me she did not have that information.

Thanks

I have been using Quickbooks Bill Pay Elite for the past few months with no issues until October 24, 2024 when I began receiving the message  "payment cannot be scheduled, you have reached your bill pay limit."  I contacted Quickbooks today and they have implemented a limit on how much you can schedule in payments.  No one can tell me what that limit is.  Classic Quickbooks to do something like this and not notify their clients.  I don't need Quickbooks to limit my spending.  I need to pay my vendors and don't need Quickbooks to shut me down when they think I have spent too much money.  Absolutely frustrating and unacceptable.  I will be switching back to Melio.

We just had the same issue. The Quickbooks Bill Pay help desk support technician stated there is a bill pay limitation that is "system-based" and decides whether or not to allow you to pay vendors using bill pay - no matter what version of bill pay you use. The technician stated the system-based limitation is implemented based on a current $150k monthly limit and your companies credit score, and that the system reevaluates the criteria daily. The technician stated there is currently not a way to change the monthly limit and criteria since it is system-based and programmed to implement this limitation in the Quickbooks Bill Pay software itself. The technician recommended to keep trying every morning since it's system-based and it reevaluates bill pay users daily for what limit should be applied. This is a terrible feature and one that impacts companies that pay more than $150k to vendors monthly. We going to need to find another bill pay platform that does not impose system-based limits like this, and that can adjust based on the need of its customers rather than its general implementation policy. This system-based limitation feature is not advertised publicly and not listed in the Terms and Conditions for customers. It would impact customers signing up since they would simply compare their monthly accounts payable volume with the terms and conditions and simply not sign up if they knew $150k is the general limit with company credit score evaluation and system-based implementation with no recourse and feature to manually increase limits. They do not offer bill pay limitation advertising of the product before purchasing and lead customers to believe the only limitations are with the bank you are paying from, which is clearly not the case. This is a terrible feature and not being an honest broker when it comes to advertising what the product can and can't do.

@AlbertD 

My clients hate these restrictive policies. I recommend them to use Melio.

https://quickbooks.intuit.com/learn-support/global/manage-suppliers-and-expenses/re-pay-bills-online...

Looking into Melio now. Thank you!

@RoseJillB  "While I would want to provide you with the exact number and amount per transaction, the process requires some personal information, and we prioritize keeping your information secure."

Okay:

1) No, it doesn't. This is as simple as 'The limit is X transactions or $X amount based on 'Such and Such Subscription'.

2) If it does, that opens up quite a lot of additional questions. What are you doing, basing your limits on how close it is to their birthday? Their nationality? Their religion? The financial data you are selling to third-world nations?

In either case, what in the blue hell are you talking about?

@AlbertD  Oh.

So this is what @RoseJillB  was trying so hard not to come out and say.

That is actually kind of horrifying.

Just a quick update: the quickbooks bill pay technician was correct. We kept trying every morning to pay our remaining vendors who we could not pay once our account reached the "system-based" limitation. After trying for the last 7 days the limitation was lifted and we were successful in using our quickbooks bill pay account again. As the technician stated, we were able to exceed the general system-based limitation the quickbooks bill pay technician referred to and pay our remaining vendors within the month of December. It appears the system uses the last quickbooks bill pay "Estimated delivery date" in the "bill pay payments" list to trigger when you schedule payments again. It definitely appears to be a new risk-based approach to bill payments influenced by past experience and/or external parties.