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Overview

Daya enforces a small set of limits to ensure system reliability and safe operation.
This page documents merchant-facing limits only. Limits apply across both Sandbox and Production, unless stated otherwise.

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Deposit Limits

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Minimum Deposit

Each deposit must meet a minimum value to be processed successfully.
  • Minimum deposit: ~$1 USD equivalent in NGN
  • The exact NGN amount depends on the current FX rate
  • Deposits below this threshold are rejected
The minimum deposit exists to ensure FX execution and settlement costs are covered.

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Per-Transaction Maximum

Each deposit or payout has a maximum allowable transaction size. Transactions exceeding these limits are flagged for review rather than processed automatically.

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Merchant Limits

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NGN Bank Withdrawal Minimum

The minimum NGN bank withdrawal is NGN 100, measured as the amount received by the bank recipient. When the recipient amount is below NGN 1,000, a flat NGN 20 fee is charged separately from the merchant withdrawal balance. At NGN 1,000 or above, the configured percentage fee and NGN cap apply. For example, under the default USD-funded flow, a transfer of NGN 100 delivers NGN 100 to the recipient and consumes the USD equivalent of NGN 120 from the merchant USD withdrawal balance. With debit_currency: NGN, the same transfer consumes NGN 120 from the selected merchant or customer NGN balance. The NGN 1,000 boundary is fixed, so it does not change with the SELL rate.

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Rolling 24-Hour Volume Limits

Volume is measured over a rolling 24-hour window across deposits and payouts. This limit applies to:
  • All deposits and payouts combined
  • All funding account types and settlement modes
  • All merchants for the system-wide limit
Once reached, further transactions may be flagged or rejected until enough prior volume falls outside the rolling 24-hour window.

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Funding Account Creation Limit

Funding account creation limits are configured per merchant based on their approved use case and expected volume. Temporary and permanent funding accounts share the merchant’s applicable account creation quota. If you require a higher limit, contact Daya. Exceeding the merchant’s applicable account creation quota may temporarily block new funding account creation.

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What Happens When a Limit Is Hit

When a limit is exceeded, one of the following may occur:
  • Deposit is FLAGGED for review
  • Payout is FLAGGED for review
  • Deposit is rejected immediately
  • Funding account creation is temporarily blocked
The exact behavior depends on which limit is exceeded.
Limits are enforced automatically. Merchants cannot override them via the API.

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Sandbox vs Production

  • Sandbox mirrors production limits for realistic testing
  • No real funds move in sandbox
  • Limit behavior (errors, flags) matches production
This allows you to test limit handling before going live.

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Increasing Limits

If your business requires limits above the standard profile, contact support@daya.co with:
  • Your merchant ID
  • Expected daily volume
  • Use case and settlement pattern
Limit increases are evaluated on a case-by-case basis.

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Next Steps

Deposits

Learn how deposits move through the system

Handling Underpayments and Overpayments

Learn how amount mismatches are handled for temporary VAs

Supported Chains

View all supported blockchain networks