# What is an Overnight Limit?

### <mark style="color:$primary;">Overview</mark>

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.

<figure><img src="/files/mME0Tu4qww5lyn0UFZIC" alt=""><figcaption></figcaption></figure>

### <mark style="color:$primary;">How it Works — Increasing Limit</mark>

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.

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<i class="fa-check">:check:</i> **Applies to ACH Payer accounts only:** This limit is available to all registered ACH Payers

<i class="fa-check">:check:</i> **Temporary reservation of funds:** When a transaction is approved, the corresponding amount is temporarily reserved against your available overnight limit until the transaction clears

<i class="fa-check">:check:</i> **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.

### <mark style="color:$primary;">Related Questions</mark>

<details>

<summary>What determines the overnight limit?</summary>

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.

</details>

<details>

<summary>Are there any alternatives to the Overnight Limit?</summary>

If not paying using ACH, you could use any other payment methods, such as credit card or PayCargo Credit.&#x20;

</details>


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