> ## Documentation Index
> Fetch the complete documentation index at: https://docs.daya.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Limits

> Merchant-facing limits and deposit constraints

## 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.

***

## Deposit Limits

### 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**

<Info>
  The minimum deposit exists to ensure FX execution and settlement costs are covered.
</Info>

***

### Maximum Deposit

Each receive flow has a maximum allowable deposit size.

| Limit Type              | Value                  |
| ----------------------- | ---------------------- |
| **Per-deposit maximum** | \$1,000 USD equivalent |

Deposits exceeding this limit will not be processed automatically.

***

## Merchant Limits

### Daily Volume Limit

Each merchant has a daily processing cap across all funding account deposits.

| Limit                    | Value                   |
| ------------------------ | ----------------------- |
| **Daily merchant limit** | \$10,000 USD equivalent |

This limit applies to:

* All deposits combined
* All funding account types
* All settlement modes

Once reached, additional deposits may be **flagged or rejected** until the next day.

***

### Funding Account Creation Limit

To prevent abuse, merchants are limited in how many funding accounts they can create per day.

| Limit                        | Value |
| ---------------------------- | ----- |
| **Funding accounts per day** | 1,000 |

Exceeding this limit may temporarily block new funding account creation.

***

## What Happens When a Limit Is Hit

When a limit is exceeded, one of the following may occur:

* Deposit is **FLAGGED** for review
* Deposit is **rejected** immediately
* Funding account creation is temporarily blocked

The exact behavior depends on which limit is exceeded.

<Note>
  Limits are enforced automatically. Merchants cannot override them via the API.
</Note>

***

## 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.

***

## Increasing Limits

If your business requires higher limits, contact [support@daya.co](mailto: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.

***

## Next Steps

<CardGroup cols={3}>
  <Card title="Deposits" icon="money-bill-transfer" href="/concepts/deposits">
    Learn how deposits move through the system
  </Card>

  <Card title="Handling Underpayments and Overpayments" icon="arrow-right-arrow-left" href="/limits/amount-mismatches">
    Learn how amount mismatches are handled for temporary VAs
  </Card>

  <Card title="Supported Chains" icon="link" href="/concepts/supported-chains">
    View all supported blockchain networks
  </Card>
</CardGroup>