Short answer
Stripe's own charge limits are high: up to 12 digits in cents for most card payments. The limits that bite are the customer's card limit, the issuer's fraud checks and the processor's risk review of a payment far above your usual size. Tell your processor before a big deal, check the buyer's card limit, and offer ACH or wire for large invoices, which cost far less than a card.
Is there a maximum payment amount on Stripe?
Stripe's currency documentation says the maximum card charge is limited by the number of digits in the amount: up to 12 digits in the smallest currency unit for most card payments, 10 for the Cartes Bancaires network and 9 for American Express in most currencies. It adds that card networks can impose lower limits depending on currency and region. For most non-card methods, the limit is 8 digits, or $999,999.99.
So Stripe's technical limits rarely stop a B2B invoice. What stops it is usually one of the next three things.
Why do large payments get reviewed or declined?
- The card's limit. Corporate cards can have per-transaction and monthly limits below a large invoice. The decline code card_velocity_exceeded points to this.
- The issuer's fraud checks. A charge far above the cardholder's usual spending can be declined or need authentication. See why good payments get declined.
- The processor's risk review. A payment far above your usual size raises the processor's exposure if it's refunded or disputed. Stripe says it's more likely to delay payouts when it sees a sudden increase in risky transactions or payment volume. See when Stripe holds your funds.
What to do before a big deal
- Tell your processor in advance about the deal, the expected amount and date, with the contract or order form ready.
- Ask the buyer about their card limit and whether their bank needs to pre-approve a large charge.
- Offer ACH or wire as the default for large invoices, with card as an option.
- Use authentication where the issuer requests it, and make sure the billing details match the card.
- Keep the paperwork: signed contract, invoice, proof of delivery or access. It answers a review and wins a dispute.
- Plan cash as if the payout could be delayed, so payroll doesn't depend on one large charge.
Card vs ACH vs wire by invoice size
| Invoice | Card at 2.9% + 30¢ | ACH Direct Debit (0.8%, capped at $5) | Wire |
|---|---|---|---|
| $20,000 | $580.30 | $5.00 | Your bank's incoming wire fee |
| $50,000 | $1,450.30 | $5.00 | Your bank's incoming wire fee |
| $100,000 | $2,900.30 | $5.00 | Your bank's incoming wire fee |
| $250,000 | $7,250.30 | $5.00 | Your bank's incoming wire fee |
Stripe fees verified on against stripe.com/pricing. How we check
ACH payments take a few business days to settle and can be returned, so build that into your collections process. Wires are final once received, which is why some companies ask for them on the largest invoices.
What are Stripe's ACH and bank transfer limits?
Stripe says bank debits, including ACH Direct Debit, are subject to limits on both transaction size and weekly volume. It doesn't publish the amounts: they're set per account, reviewed regularly and adjusted based on account history and risk, and they can rise as a business grows. Stripe gives the reason too: bank debits aren't guaranteed and take several business days to confirm, so the limits guard against failed payments and large disputes.
If you expect large ACH payments, contact Stripe Support before the first one and ask for the limit you need, with the contracts or invoices behind it. Also allow for timing: Stripe's documentation says ACH Direct Debit settles in up to 4 business days, or 2 for eligible US accounts.
On the buyer's side, a company's bank can cap outgoing transfers or block ACH debits from companies it hasn't authorized, so ask the buyer's finance team to approve your debits or send a wire.
Large payments on business cards
Large B2B card payments are mostly made on business, corporate and purchasing cards, which carry the highest interchange. On interchange-plus pricing, sending Level 2 and Level 3 data with those payments can lower that cost. See Level 2 and Level 3 card processing.
How 71P handles this
71P moves high-volume merchants to interchange-plus pricing with our licensed processing partner. Here's what that changes for this problem:
Preventing holds, and working through them
We help customers prevent holds: we show you what triggers reviews and what to prepare before a launch, a large deal or a volume spike. If a transaction is held, your dedicated person works on it with you until it's resolved. No processor can promise there will never be a hold: every processor underwrites and can hold funds.
Data that qualifies for lower interchange
Transaction data is enriched to qualify for lower interchange where the card and data allow.
One person who knows your business
You get one dedicated person who stays the same, knows you and your business, and is reachable directly. On standard plans, Stripe's support runs through shared phone, email and chat queues, not a named contact.
See how it works, or start with a free savings analysis.
Sources
All checked on November 4, 2026.