What is an Overnight Limit?

Overview

An Overnight Limit is a feature that allows a payer to approve transactions using ACH up to a specific amount over a three-business-day period. Approved transactions reserve part of this limit until they clear at the end of the processing window.

• All accounts are subject to a minimum overnight limit of $3,000 upon sign-up.

How it Works — Increasing Limit

1. Log in: Sign in to your PayCargo account using your registered username and password.

2. Access funds: Navigate to Funds from the dashboard or main menu to view your current Overnight Limit availability.

3. Increase limit: Review your used and available funds, then select Increase Overnight Limit if additional capacity is needed. Complete the request form by filling in all required fields.

4. Submit your request: Send your request to PayCargo’s Support Team. A confirmation message will appear once submitted, and the team will follow up with next steps.

Applies to ACH Payer accounts only: This limit is available to all registered ACH Payers

Temporary reservation of funds: When a transaction is approved, the corresponding amount is temporarily reserved against your available overnight limit until the transaction clears

Cleared Limit: Once the transaction completes, the reserved funds are released and become available for new approvals

This structure helps payers manage payment volume efficiently while maintaining secure financial controls.

Related Questions

What determines the overnight limit?

The right to manage and set the overnight limit on payers' accounts is reserved for PayCargo Support Specialist team based on account history and financial standing.

Are there any alternatives to the Overnight Limit?

If not paying using ACH, you could use any other payment methods, such as credit card or PayCargo Credit.