Set a Credit Card Threshold

A Credit Card Threshold caps the Invoice amount a Customer can pay by credit card. Above that amount, credit card options disappear and the Customer has to use another method, which keeps high-value payments away from card fees and chargeback exposure.

How thresholds work

Thresholds are set per currency and apply site-wide. They affect remittance payments only, meaning payments made manually through the Admin UI or public Invoice pages. Setting one requires the permission described as manages product catalog, settings, and integrations.

When a credit card threshold is configured:

• Credit card payments are permitted only if the Invoice's due amount is less than or equal to the configured threshold.
• Credit card payment methods are blocked on both Admin UI Invoice payment pages and Public Invoice pages.

A currency with no threshold set has no restriction.

Configure a threshold

Thresholds are set per currency, not per payment gateway, on the Invoicing Settings page. See the Manage Invoices Settings help article.

Removing a currency from your site removes its threshold automatically.

When the threshold is enforced

Enforcement applies only to remittance payments:

• Invoices with collection method = remittance are always subject to the threshold.
• Invoices created under a Subscription with automatic collection method inherit that collection method, so the threshold never applies to them, regardless of how the payment is submitted.

Enforcement happens at the moment of the payment attempt. If the due amount exceeds the threshold, credit card options are blocked:

• The threshold comparison is based on the remaining due amount on the Invoice, not the original Invoice total.
• The option to use a credit card is blocked.
• No payment_failure event is emitted (validation happens before payment processing).

Warnings a Customer sees

A Customer sees a warning in two places before a blocked payment happens:

• In the Admin UI, Subscription previews show a warning if the previewed amount exceeds the threshold and the collection method is remittance and the payment method is a credit card.

  “This subscription exceeds the allowed threshold for credit card payments. Please update the payment method (above) or increase the credit card payment limit.”

• On public sign-up pages, users are blocked from selecting a credit card if the sign-up amount exceeds the configured threshold.

Examples

These examples show how threshold enforcement applies against a Customer's remaining due amount:

• Accepted case: A Customer has a $6,000 Invoice, and the USD credit card threshold is $5,000. The Customer pays $1,500 via ACH. The remaining due amount is now $4,500. The Customer can then pay the remainder using a credit card, since the due amount is under the threshold.
• Blocked case: A Customer tries to remit payment for a $6,000 Invoice while the USD threshold is $5,000. Credit card payment is disabled.

Best practices

Keep these practices in mind when setting a Credit Card Threshold:

• Set appropriate thresholds for high-risk or high-value currencies.
• Communicate alternative payment options (e.g., ACH, wire) for large Invoices.
• Regularly review and update thresholds to align with risk tolerance.

Related information

To limit how long after an Invoice is issued a card can be used, see Set a Credit Card Window.

For the full set of Site settings this sits among, see Understand Advanced Billing Site Settings.