As payment operations scale, it is common for certain users to stand out from the rest of the customer base. They process higher transaction volumes, maintain a consistent history of activity, or represent a significant share of the business's overall volume. Over time, these users may approach the platform's standard transaction limits.
When that happens, transactions can be interrupted, additional reviews may be required, and the user experience can be impacted. To address this challenge, WEpayments offers Smart User Limit, a feature that allows businesses to request customized transaction limits for specific end users.
What Is Smart User Limit?
Smart User Limit is a feature that enables customized transaction limits for individual end users, whether they are individuals or businesses. The goal is to provide greater operational predictability for businesses that serve strategic customers or users with transaction volumes above the average.
In practice, this helps reduce interruptions and ensures that legitimate transactions can continue without unnecessary friction.
When Should You Use It?
Smart User Limit is particularly useful when:
- A customer has a strong and consistent transaction history;
- A significant increase in transaction volume is expected;
- The user is strategically important to your business;
- Greater operational predictability is required;
- You want to prevent disruptions caused by standard transaction limits.
By requesting a review proactively, your business can prepare for growth before the user encounters any restrictions.
How Does the Approval Process Work?
Requests can be submitted directly through the WEpayments Dashboard, in the Compliance section.
To start a request, simply provide:
- The user's CPF or CNPJ;
- The desired transaction limit;
- The payment account associated with the request (if applicable).
Once submitted, the request is reviewed by the WEpayments AML/CFT (Anti-Money Laundering and Counter-Terrorist Financing) team.
Risk Assessment and Supporting Documentation
As part of the review process, WEpayments performs a comprehensive assessment of the user's profile.
Depending on the case, additional information or supporting documents may be required.
The analysis may include:
- Financial capacity compatible with the requested limit;
- Transaction history;
- Risk scoring;
- Public legal proceedings;
- Adverse media screening;
- Registration and identification data;
- Other relevant risk indicators.
These elements are combined into a case file that supports the final decision.
Tracking Your Request
All requests can be monitored directly through the WEpayments Dashboard.
During the review process, a request may move through the following statuses:
- Waiting: The request has been created and is awaiting review.
- Waiting for Document Upload: Additional documents are required before the analysis can continue.
- Pending: The requested documentation has been submitted and is currently under review.
- Approved: The request has been approved and the customized limit has been applied to the user. In addition to the approved amount, specific exception rules and validity periods may also be defined.
- Cancelled: The request has been closed without approval or further action.
What Happens After Approval?
Once approved, the user can operate within the newly authorized limit.
This means transactions can continue normally up to the approved amount. The result is a smoother experience for the end user and greater operational predictability for your business.
Benefits for Your Business
Smart User Limit is more than a compliance tool. It also helps improve customer experience and operational efficiency.
Key benefits include:
- Reduced transaction interruptions;
- Fewer operational escalations and manual interventions;
- Improved experience for high-value customers;
- Greater predictability for important transactions;
- Better retention of strategic users;
- Sustainable growth supported by appropriate risk controls.
Final Thoughts
Not all users have the same transaction profile. As your operation grows, it becomes increasingly important to support strategic customers without compromising governance and risk management standards.
Smart User Limit was designed to balance both objectives: providing flexibility for valuable users while maintaining a robust review and compliance process.
By using the feature proactively, businesses can reduce operational friction, improve customer satisfaction, and create a more scalable payment operation.