Vanco establishes processing limits for ACH and credit/debit card transactions. We base the limits on the information provided by your organization on the credit application, by your processing history with us, and/or industry standards. When you add a transaction via My Vanco that is greater than your per transaction limit, you will receive the following error: "Transaction greater than $XXXX.XX. In order for this transaction to process, you must add notes. Click here for instructions."
After you click the link displayed in the error, the following information is displayed:
Please add notes to the individual's record. In order for Vanco to approve the transaction(s), you must include the following in your notes:
- Type of Authorization. Please indicate the type of authorization you have to process the transaction(s). Click here to see appropriate types of authorization. If you are unsure whether your authorization is appropriate for the transaction, you can call Vanco at (800) 675-7430.
- Verify transaction(s). Please retype the amount of the frequency of the transaction(s) so we know you have not mistyped the information.
- State purpose of transaction(s). You are only allowed to process transaction(s) for the specific business purpose indicated in your credit application for your service. If you want to process transaction(s) that are not listed as your specific business purpose, you must get approval by calling us at (800) 675-7430.
Vanco does not permit splitting a payment to avoid the per transaction limit. We approve transactions between 8 am and 4 pm CT Monday through Friday. We will contact you if we have questions or concerns regarding the transaction(s). If a large number of your transactions will be above your current per transaction limits, you can request an increase to your limits. Requests are made here:
- Credit/Debit/eCheck (Electronic Funds Transfer) > Processing Limits > Request a limit increase