Payment limits

How much you can pay in a single transaction, and what to do when your payment is over the limit.

There is a cap on how much you can pay in one transaction. It depends on how you are paying.

Typical limits

Paying by	Typical limit per transaction
Bank account (ACH)	$20,000
Debit card	$20,000
Credit card	$10,000
HSA card	not available on most accounts — see Accepted payment methods

Your own limits may differ. These are the usual figures, but both the limits and the methods themselves are set per finance program. Your actual limits are printed in the top-right corner of the Make A Payment screen in uPortal360 — check there before planning a large payment. A limit shown as N/A means that method is not available on your account at all.

If your payment is over the limit

You will see a “Payment Amount Exceeds Limit” message. Nothing has gone wrong with your account — the amount is above the cap for the method you chose.

Three ways round it:

1. Pay from a bank account instead

   ACH has double the credit card limit. If you were paying by credit card, switching to a bank account may be enough on its own.

2. Split it across two payments

   Make one payment up to the limit, then a second for the remainder. Both will post normally.

3. Call us

   If neither works, an agent can take a larger payment over the phone. A customer service fee may apply when an agent takes the payment — you will be told the amount before it is taken, and you can choose a free channel instead. See Ways to pay. Splitting the payment online avoids it.

   Contact us

   Have your Account Number to hand.

If you are racing a promotional deadline, do not leave this to the last day. A payment that fails on the limit still has to be redone, and it may not post in time. See Promotional offers.

Other payment problems

If the message you are seeing is something other than a limit, see When a payment won’t go through.