Documentation Index
Fetch the complete documentation index at: https://support.wepayments.com.br/llms.txt
Use this file to discover all available pages before exploring further.
This guide explains how transaction limits work at WEpayments, including PIX output limits, standard default limits, trusted accounts, and an introduction to Smart User Limit for strategic users.
Why do transaction limits exist?
Transaction limits are implemented as a security and compliance measure to:
| Purpose | Description |
|---|
| Prevent fraud | Reduce unauthorized or suspicious outgoing transactions |
| Strengthen monitoring | Enable better risk detection and control |
| Meet compliance requirements | Align with regulatory and security standards |
| Reduce undue exposure | Prevent movements outside expected patterns |
💡 Limits allow merchants to set, in advance, the maximum amount that can be transferred in certain periods.
PIX output limits: how they work
PIX output limits apply only to outgoing transactions, including:
- Fund transfers (withdrawals)
- Payment transactions (Payouts)
Amounts are considered cumulatively per period.
Limit periods
Merchants can set maximum outbound amounts for each of the following independent periods:
| Period | Time range |
|---|
| Daytime | 6:00 AM to 7:59 PM |
| Nighttime | 8:00 PM to 5:59 AM |
| Weekends | Saturday and Sunday |
| Holidays | National and regional holidays |
⚠️ Each period has its own independent limit. The total outflow within each period cannot exceed the limit set for that period.
Trusted accounts (exclusive limits)
In addition to general period limits, merchants can register trusted accounts – specific bank accounts that can receive transfers above the standard limit.
Trusted account configuration
| Configuration option | Description |
|---|
| Daytime limit | Maximum amount for trusted account during daytime hours |
| Nighttime limit | Maximum amount for trusted account during nighttime hours |
| Weekend limit | Maximum amount for trusted account on weekends |
| Holiday limit | Maximum amount for trusted account on holidays |
💡 Trusted accounts respect the same operating periods but can have higher individual limits.
If the merchant does not inform their own limits, WEpayments applies the following standard limits:
| Period | Default limit |
|---|
| Daytime (6:00 AM – 7:59 PM) | R$ 1,000,000.00 |
| Nighttime (8:00 PM – 5:59 AM) | R$ 300,000.00 |
| Weekends | R$ 300,000.00 |
| Holidays | R$ 300,000.00 |
💡 Default limits are applied in accordance with WEpayments’ internal risk and security policies.
How to report or change your limits
| Step | Action |
|---|
| 1. WEpayments contacts you | We send an email requesting limit definition |
| 2. You respond | Inform desired amounts for each period (if applicable) and whether you wish to register trusted accounts |
| 3. WEpayments configures | Our registration team sets the limits in your company’s registration |
⚠️ Limits are not self-service. You must contact our team to set or modify limits.
Introduction to Smart User Limit
As payment operations scale, certain users may process higher transaction volumes and approach standard transaction limits. Smart User Limit allows businesses to request customized transaction limits for specific end users – whether individuals or businesses.
| Feature | Description |
|---|
| What it does | Enables custom transaction limits for strategic users |
| Who it applies to | Individual end users (CPF) or businesses (CNPJ) |
| How to request | Via Dashboard > Compliance section |
| Review process | AML/CFT team analyzes the request |
| Best for | Users with consistent history, expected volume growth, or strategic importance |
💡 Smart User Limit helps prevent friction for high-value users while maintaining appropriate risk controls.
For a complete step-by-step guide on how to submit a request, required documentation, status tracking, and approval process, see the Smart User Limit Activation article.
Summary: transaction limits at a glance
| Feature | Standard limits | Smart User Limit |
|---|
| Who sets | WEpayments default or merchant configuration | Requested by merchant for specific users |
| Scope | All outgoing transactions | Individual end users (CPF/CNPJ) |
| Periods | Daytime, nighttime, weekends, holidays | Custom per user |
| Trusted accounts | Optional | Not applicable |
| Review process | Configuration via email | AML/CFT analysis via Dashboard |
