To help you get started smoothly, here are a few important things to know about how ACH processing works:
 

• ACH Limits: Your account will have a processing limit, typically set on a weekly or monthly cadence. These limits are based on the information you provided during your application and are in place to help manage risk.
   
• Why Limits Matter: Limits help protect your business. For example, if an employee accidentally enters an extra zero on a transaction, the limit acts as a safeguard to prevent larger issues. It also ensures your banking can support the ACH volumes you’ve requested.
   
• Providing Accurate Information: It’s important to provide accurate volume estimates during the application process. In rare cases, underwriting may request supporting documentation―such as invoices or banking statements―to validate your ACH needs, especially if a transaction is flagged or rejected.
   
• Monitoring Your Usage: You’ll be able to monitor your ACH volume through the IQ Pro portal, making it easy to track how close you are to your limit.
   
• What Happens If You Reach Your Limit: If you hit your limit, transactions may be delayed or held for review. This is a standard part of risk management and helps ensure compliance with banking requirements.
   
• Need More Volume? If your business grows or your ACH needs increase, just reach out. We can work with our ACH partner to review your account and explore options for raising your limits.
   
• Understanding ACH Risk: One of the most common gaps we’ve seen is around understanding the risks involved with ACH. Because ACH is not instant and can be reversed, it carries inherent risk. That’s why it’s critical that your banking setup supports the volume you’re processing.