> ## Documentation Index
> Fetch the complete documentation index at: https://faq.universalaccountservicing.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment limits

> How much you can pay in a single transaction, and what to do when your payment is over the limit.

There is a cap on how much you can pay in one transaction. It depends on how you are paying.

## Typical limits

| Paying by          | Typical limit per transaction                                                                       |
| ------------------ | --------------------------------------------------------------------------------------------------- |
| Bank account (ACH) | \$20,000                                                                                            |
| Debit card         | \$20,000                                                                                            |
| Credit card        | \$10,000                                                                                            |
| HSA card           | not available on most accounts — see [Accepted payment methods](/payments/accepted-payment-methods) |

<Info>
  **Your own limits may differ.** These are the usual figures, but both the limits and the methods
  themselves are set per finance program. Your actual limits are printed in the top-right corner of
  the **Make A Payment** screen in uPortal360 — check there before planning a large payment. A limit
  shown as **N/A** means that method is not available on your account at all.
</Info>

<Frame>
  <img src="https://mintcdn.com/uas-consumer/DAwNbPbgbWFXoTSs/images/uportal360/payment-make-a-payment.png?fit=max&auto=format&n=DAwNbPbgbWFXoTSs&q=85&s=1fd2d387d33faea4e694c23ad7e3a6b5" alt="The Make A Payment screen, with ACH, credit card, debit card and HSA limits listed in the top right corner" width="1600" height="1200" data-path="images/uportal360/payment-make-a-payment.png" />
</Frame>

## If your payment is over the limit

You will see a **"Payment Amount Exceeds Limit"** message. Nothing has gone wrong with your account
— the amount is above the cap for the method you chose.

Three ways round it:

<Steps>
  <Step title="Pay from a bank account instead">
    ACH has double the credit card limit. If you were paying by credit card, switching to a bank
    account may be enough on its own.
  </Step>

  <Step title="Split it across two payments">
    Make one payment up to the limit, then a second for the remainder. Both will post normally.
  </Step>

  <Step title="Call us">
    If neither works, an agent can take a larger payment over the phone. A customer service fee may
    apply when an agent takes the payment — you will be told the amount before it is taken, and you
    can choose a free channel instead. See [Ways to pay](/payments/ways-to-pay#by-phone). Splitting
    the payment online avoids it.

    <Card title="Contact us" icon="phone" href="/getting-help/contacting-uas">
      Have your Account Number to hand.
    </Card>
  </Step>
</Steps>

<Warning>
  **If you are racing a promotional deadline, do not leave this to the last day.** A payment that
  fails on the limit still has to be redone, and it may not post in time. See
  [Promotional offers](/promotional-offers).
</Warning>

## Other payment problems

If the message you are seeing is something other than a limit,
see [When a payment won't go through](/payments/when-a-payment-wont-go-through).