Smart User Limit Activation

This guide provides a step-by-step walkthrough on how to request and activate custom transaction limits for strategic end users via the WEpayments Dashboard. It covers submission, risk assessment, supporting documents, status tracking, and what happens after approval.

What is Smart User Limit?

Smart User Limit is a feature that enables customized transaction limits for individual end users – whether individuals (CPF) or businesses (CNPJ). The goal is to provide greater operational predictability for businesses that serve strategic customers or users with transaction volumes above the average. Key benefits:

Benefit	Description
Reduced interruptions	Fewer transaction stops due to limit hits
Fewer escalations	Less manual intervention required
Improved customer experience	High-value customers experience less friction
Greater predictability	Important transactions proceed as expected
Better retention	Strategic users stay with your business

When should you use Smart User Limit?

Smart User Limit is particularly useful when:

Scenario	Description
Consistent history	Customer has a strong and consistent transaction history
Expected volume increase	Significant growth in transaction volume is anticipated
Strategic importance	User is strategically important to your business
Predictability needed	You want operational predictability
Prevent disruption	Avoid interruptions caused by standard limits

💡 By requesting a review proactively, your business can prepare for growth before the user encounters restrictions.

Step-by-step activation process

Step 1: Access the Dashboard

Step 2: Navigate to the Compliance section

On the left sidebar, go to Compliance and click on KYC: Requests.

Step 3: Create a new request

Click the button to create a new Smart User Limit request.

Step 4: Provide required information

Field	Description
User’s CPF or CNPJ	Tax identification number of the end user
Desired transaction limit	The maximum amount you are requesting for this user
Payment account (if applicable)	Associated payment account for the request

Step 5: Submit the request

After filling in the information, submit the request for review.

What happens after submission?

Once submitted, the request is reviewed by the WEpayments AML/CFT (Anti-Money Laundering and Counter-Terrorist Financing) team.

Risk assessment includes analysis of:

Factor	What is evaluated
Financial capacity	Compatibility with requested limit
Transaction history	Past behavior and patterns
Risk scoring	Internal risk classification
Public legal proceedings	Court records and lawsuits
Adverse media screening	Negative news and mentions
Registration and identification data	KYC information completeness
Other relevant risk indicators	Additional compliance signals

Supporting documents (if required)

Depending on the case, WEpayments may request additional information or supporting documents, such as:

Proof of financial capacity
Detailed transaction history
Business relationship documentation
Other compliance-related documents

Tracking your request status

All requests can be monitored directly through the WEpayments Dashboard > Compliance > KYC: Requests.

Request statuses

Status	Meaning
Waiting	The request has been created and is awaiting review
Waiting for Document Upload	Additional documents are required before analysis can continue
Pending	Documents have been submitted and are currently under review
Approved	Request approved. Custom limit applied to the user
Cancelled	Request closed without approval or further action

Information displayed in the request list

Column	Description
WE ID	KYC transaction identification number generated by WEpayments
Beneficiary Document	CPF or CNPJ of the user
Merchant	Your company name
Reason	Why the request was created (e.g., Transaction Limit Reached, High Risk Product)
Beneficiary	Name of the user
Created at	Date the request was created
Updated at	Date of last change
Status	Current status (Waiting, Pending, Approved, etc.)

Using filters

You can use the filter option to search for specific requests. Click the filter icon on the right side of the page to narrow down results by:

Status
Date range
Beneficiary document
Other criteria

What happens after approval?

Once approved, the user can operate within the newly authorized limit.

Outcome	Description
Custom limit applied	User can transact up to the approved amount
Exception rules	Specific conditions may be defined per approval
Validity period	Approval may include a defined validity period

💡 After approval, transactions can continue normally up to the approved amount, resulting in a smoother experience for the end user and greater operational predictability for your business.

Important notes

Note	Details
Not self-service	Requests require AML/CFT team review and approval
No guaranteed approval	Each request is evaluated on its own merits
Documentation may be required	Be prepared to provide supporting documents
Approval takes time	Complex cases may require additional analysis

​What is Smart User Limit?

​When should you use Smart User Limit?

​Step-by-step activation process

​Step 1: Access the Dashboard

​Step 2: Navigate to the Compliance section

​Step 3: Create a new request

​Step 4: Provide required information

​Step 5: Submit the request

​What happens after submission?

​Risk assessment includes analysis of:

​Supporting documents (if required)

​Tracking your request status

​Request statuses

​Information displayed in the request list

​Using filters

​What happens after approval?

​Important notes