Limits
| Limit | Description | Outcome when breached | Examples |
|---|---|---|---|
| Payment to account number daily | All channels that allow funds to be transferred out of an account to another bank account (DE, NPP, HayPay). | “outcome”: “LIMIT_BREACH”, “detailedOutcome”REFUSED_DAILY_TRANSFERS_OUT_LIMIT_BREACHED | Limit = $5,000 User attempts to transact +$6,000 Shaype will reject the request User transacts from their account to an external account of $4,000 the user then transacts using a direct debit or other scheduled transaction for that day of +$2,000 Haas will reject the last scheduled transaction and provide error outcome |
| ATM withdrawal daily | ATM cash withdrawal usage of card | “outcome”: “LIMIT_BREACH”, “detailedOutcome”REFUSED_DAILY_ATM_WITHDRAWAL_LIMIT_BREACHED | Limit = $1,000 User attempts to make an ATM withdrawal of $1,001 Shaype will reject the request. If they User withdraws $900 and then attempts to withdraw +$101 then Shaype will reject the second request until the next calendar day If the user attempts to withdraw $900 the request may still be rejected if it breaches the Card Payment Daily limit (please see below) |
| Bank transfer top up daily | All channels that allow funds to be transferred to the user account (DE, NPP, HayPay, Visa Direct). | “outcome”: “LIMIT_BREACH”, “detailedOutcome”REFUSED_DAILY_TOP_UP_LIMIT_BREACHED | Limit = $10,000 User attempts to make an add funds to their account of +$11,000 Shaype will reject that request. If the user adds $9,000 and attempts to add +$2,00 to the account Shaype will reject the second request until the next calendar day The user may attempt to top up less the $10,000 daily limit by breach the Max Balance limit (please see below) |
| BPAY daily limit | A specific BPAY limit will be set to monitor daily BPAY transactions from account to biller. | “outcome”: “LIMIT_BREACH”, “detailedOutcome”: “REFUSED_DAILY_BPAY_LIMIT_BREACHED”, | The BPAY limit is $100 and the user tries to send a BPAY transaction of +$101 Shaype will reject. If the user sends a BPAY payment of $90 and then another for +$11 Shaype will reject the second transaction attempt. |
| Card payments daily | Total amount of payments that can be made using a card (all channels - present, not present, wallets) | “outcome”: “LIMIT_BREACH”, “detailedOutcome”REFUSED_DAILY_CARD_TRANSACTIONS_LIMIT_BREACHED | Limit = $15,000 User attempts to pay at a terminal for $6,000, the user then attempts to pay using Apple or Google pay for the amount of +$11,000 Shaype will reject the second transaction. If the user requests to withdraw money from an ATM it will also be calculated unless the ATM withdrawal limit is breached first (please see above |
| Direct Debit daily | Total amount of funds that can be withdrawn from an account by Direct Debit. This for cash going out of the account only. | “outcome”: “LIMIT_BREACH”, “detailedOutcome”REFUSED_DAILY_DIRECT_DEBIT_LIMIT_BREACHED | Limit = $1,000 User has requested a direct debit for funds to leave the account of +$2,00 Shaype will reject this request. User has requested a direct debit for $900 and another for +$200 Shaype will reject the second transaction attempt |
| Max Balance | Maximum balance that can be held in an account. | “outcome”: “LIMIT_BREACH”, “detailedOutcome” REFUSED_MAX_BALANCE_EXCEEDED | Limit = $15,000 User attempts to make an add funds to their account of +$16,000 Shaype will reject that request based on the daily top up limit above. If the user adds $10,000 and attempts to add +$6,000 the next calendar day to the account Shaype will reject the second request |