This article explains what fixed output limits are, why they exist, and how they work in practice for WEpayments merchants.
Why do fixed output limits exist?
Fixed output limits were implemented as a measure to:
Prevent fraud;
Strengthen monitoring and risk controls;
Meet compliance and security requirements.
The goal is to allow merchants to set, in advance, the maximum amount that can be transferred in certain periods, reducing undue exposure and movements outside the expected standard.
To which transactions do the limits apply?
The limits apply only to outgoing transactions, including: fund transfers (withdrawals), payment transactions (payouts). The amounts are considered cumulatively per period.
How do the limits work in practice?
The merchant can set maximum outbound amounts for each of the following periods:
Daytime (6:00 a.m. to 7:59 p.m.),
Nighttime (8:00 p.m. to 5:59 a.m.),
Weekends,
Holidays.
Each period has an independent limit.
In other words, the total amount of outflows within each period cannot exceed the limit set for that period.
Can I set exclusive limits for specific accounts?
In addition to the general limits per period, merchants can register a trusted account.
A trusted account is a specific bank account that can:
Receive transfers above the standard limit set for the period.
The trusted account also respects the same operating periods, and it is possible to configure:
Limit for trusted account during daytime hours,
Limit for trusted account during nighttime hours,
Limit for trusted account on weekends,
Limit for trusted account on holidays.
Each period can have a specific additional amount for the trust account.
Is it mandatory to inform all limits?
No.
The merchant:
is not required to register limits for all periods;
is not required to register a trust account.
The configuration is optional.
What happens if the merchant does not inform their limits?
If the merchant does not inform their own limits, the standard limits defined by WEpayments for outgoing transactions will automatically apply, which are:
Daytime period (6:00 a.m. to 7:59 p.m.): R$ 1,000,000.00
Nighttime (8:00 p.m. to 5:59 a.m.): R$ 300,000.00
Weekends and Holidays: R$ 300,000.00
These standard limits are applied in accordance with the company's internal risk and security policies.
How do I report or change my limits?
Limits are set or changed by contacting our team.
The process works as follows:
WEpayments contacts the merchant by email requesting the definition of limits;
The merchant responds to the email informing:
The desired amounts for each period (if applicable);
Whether or not they wish to register trusted accounts and their respective limits;
The WEpayments registration team configures the limits in the company's registration;
After configuration and confirmation, the limits take effect according to the amounts informed by the merchant.
When do the limits take effect?
The limits take effect after configuration by the WEpayments registration team and confirmation to the merchant about the implementation.
Until this configuration is complete, the standard limits defined by the company remain valid.