ACH Limits

You have two options for this, rstran.

What you suggested (about splitting the bill) is one of the correct solutions for this situation. Make sure that the amount matched exactly the same on the actual bill.

The other way is to let your customer pay the bills through ACH (bank transfer). Then, you'll have to manually record the payment on your merchant account.

You can check these articles to know more about ACH method: QuickBooks Payments.

Keep me posted if you need anything else.

We billed a customer $49,103.00 in a one time ACH. I had to set him up on Monday but still have not seen anything come through. I understand it takes time for the set up but is the amount too high? What can be billed ACH?

We billed a customer $49,103.00 and he wanted to pay ACH. I set him up on Monday and still have not heard anything. I realize it takes 2-7 days but I just want to make sure the high amount didn't exceed the ACH limits.

Hey there, Paularae. 

You probably have reached the processing limit that's why it took time for it to be deposited. There ares limits of how much you can get paid online in a 30-day rolling period. I suggest reaching getting in touch with our Payments Support Agents so they'll help you increase your limit. 

For more references about receiving payments you can check these articles: 

• Get paid faster with next-day deposits
• How to fix rejected QuickBooks Payments deposits or fees

Feel free to get back to us if you need more help with handling customer payments. 

@Paularae 

As additional option, explore this payment service. It supports QBO.

https://veem.grsm.io/veems

Hope it helps.

Hi,

We have ACH payments set up but still see the limit of $49,999.99. Can we request to raise this limit?

Hi,

We have ACH payments set up but still see the limit of $49,999.99. Can we request to raise this limit?

Thanks for joining this thread, @lacysaute.

You can follow my colleague's @Catherine_B post to get in touch with the Payments (Merchant Services) Support Team. They have the tools to assess your account in a secure environment and look at the processing limit. You may be asked for some official documents to see how business is going to raise that limit. 

I'll be here if you have any other questions or concerns. Take care!

@lacysaute 

Consider to utilize additional payment service to increase your ACH payment limits

https:// melio.grsm.io/quickbooks

I have been chatting with the Merchants team and they are worthless. they said there is a hard limit of $49,999 no matter what and they aren't willing to credit you the extra $10 for having to ask clients to pay 2 invoices or make 2 ACH drafts.  Pretty horrible practice, if you ask me :)

@thisisastupidplatformn 

Explore 2 other payment services as I mentioned earlier to accept > $50K

https:// melio.grsm.io/quickbooks

https:// veem.grsm.io/veems

It really sucks. 

I got in touch and the representative did not know anything about being able to increase the limit. She insisted that $49,999.99 is as high as it can go. 

DO NOT EVER use quick books for business checking. They will not allow an ACH greater than 5,000 per day and 10,000 per week. They advertise that you do up 100,000K which is the NACHA limit and that is FALSE. We requested to change types of accounts and quick books will not allow us to change to an account that does offer a higher limit. They are holding our $38,000 and states it will take 3 weeks to get as we have to do it in 10,000 weekly increments. DO NOT use quick books ever. 

@sarahannlanier 

If you run B2B, you can use a free 3rd party processor to integrate with QB and accept payments for free.

I don’t need to accept payments I need to pay a customer. Send a simple ACH of less than 49,999. It’s not allowing us to do that. 

I am able to receive payments. I want to send a simple ACH of less than 49,999 and it is not allowing me. 

@sarahannlanier 

You can sign up for a free Melio account to sync with QBO and pay the bill by ACH for free. While Melio doesn't restrict payment amounts, your bank may have its own limits on the amount of money you can transfer. It's important to check with your bank before making a big payment to avoid any setbacks. You can also get a cashback.

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

You guys stopped using Mello in May of 2024. Why are you suggesting this as an option? 

I'm here to ensure you're routed to the right channel that can address your ACH concern on time, Sarahann.

Payments and account-related issues require careful handling and timely cooperation to achieve a resolution. That said, I recommend contacting our Payments Support Team for further assistance. One of our experts will review your account and give you advice on how to send the specified amount, along with other methods.

Here are the steps to view our support information:
 

1. Go to the Help icon in the upper right of your company to display the support window.
2. In the Search tab, enter a brief description of your concern in the field box and click the Contact Us button to view the support options.
3. Select Chat to initiate a conversation.

To learn the best time and day to get in touch with our support team, click here for the full details: Contact Payments Support.

Furthermore, these links provide valuable insights into troubleshooting rejected payments and addressing various payment-related concerns:
 

• Fix rejected ACH payments or fees in QuickBooks Payments
• Understand the ACH (Automated Clearing House) return code reference chart
  
  

I've also included a couple of informative resources about working with QuickBooks Payments that could be beneficial for you in the future. Click each link to view the complete details:

• Why are my funds on hold?
• Use the Resolution Center for QuickBooks Payments 
  
  

Feel free to drop by the Community if you have additional questions or concerns regarding QuickBooks Payments and managing ACH payments and transfers. We're here to lend a helping hand.

@sarahannlanier 

You can sign up for a stand-alone account to sync with QBO. Check the link I shared.

You did not share a link regarding another account. Can you please share that link.