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Gateway limits and splitting payments

In certain situations, you may need to split payments into multiple transactions to remain within a gateway limit. This article outlines several strategies to help you achieve that.

What happens when a transaction exceeds the limit

You might receive a error message that says similar to the following:

Warning! Transaction xxxxxx is over gateway limit of $xx

The transaction will appear as pending and will be Auto Pay type and Direct Debit /ACH


If the transaction appears as pending before you action Option 2 or Option 3 below, delete the transaction first to release the invoices attached to it.

Option 1: Contact your gateway provider to request a higher transaction limit.

All payment gateways have transaction limits. If you are only slightly over the limit, you can usually contact the gateway provider’s support team to request an increase.

 

Option 2: Manually process the payment in the customer portal on behalf of the customer

This is a quick workaround. RPS Auto Payments batches all outstanding invoices into a single transaction, but if you process the payment manually in the portal, you can select specific invoices and keep each transaction under the limit. You can repeat this process until all invoices have been loaded or paid.

Step 1. Click into the customer card in RPS

Step 2. Select the 'View Customer Portal' from the quick menu

Step 3. Select which invoices you would like to process then action the payment using the green payment button

 

Option 3: Adjust the due dates so payments are staggered

Edit the due dates so the payments are staggered rather than processed at the same time. This can help keep each Auto Payment within the gateway’s transaction limit and reduce the chance of the payment failing because the combined total is too high.