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PATCH

Update transfer limits

ENDPOINT/v1/transfer-limits

Applies a partial update to the program's ACH, wire, or internal transfer caps. Omitted rails are left unchanged. Sending a rail replaces both daily and per-transaction money objects for that rail. per_transaction must not exceed daily.

Authentication & Headers

HeaderTypeRequirementDescription
AuthorizationstringREQUIREDAPI key passed as an HTTP Bearer token: Bearer rk_live_...
X-Program-IDUUIDPROGRAM-SCOPEDProgram boundary UUID that scopes the issuing card, wallet, or transfer.
Content-TypestringREQUIREDMust be application/json.
Idempotency-KeystringOPTIONALUnique UUID to prevent duplicate execution of financial creations or mutations.

Request Body Schema

application/json
achobject
optional

Replacement daily and per-transaction caps for ACH.

Properties of ach
dailyobjectrequired
A monetary value stored as an integer number of minor units plus an ISO 4217 currency code. Never a float, never a decimal string. For `USD`, `amount` is cents (`1250` is $12.50).
per_transactionobjectrequired
A monetary value stored as an integer number of minor units plus an ISO 4217 currency code. Never a float, never a decimal string. For `USD`, `amount` is cents (`1250` is $12.50).
wireobject
optional

Replacement daily and per-transaction caps for wire.

Properties of wire
dailyobjectrequired
A monetary value stored as an integer number of minor units plus an ISO 4217 currency code. Never a float, never a decimal string. For `USD`, `amount` is cents (`1250` is $12.50).
per_transactionobjectrequired
A monetary value stored as an integer number of minor units plus an ISO 4217 currency code. Never a float, never a decimal string. For `USD`, `amount` is cents (`1250` is $12.50).
rtpobject
optional

Daily cap and per-transaction cap for one transfer rail. `per_transaction` must not exceed `daily`. Amounts are non-negative integer minor units.

Properties of rtp
dailyobjectrequired
Maximum amount that may move on this rail in one calendar day in the program timezone. `amount` is a non-negative integer of minor units; `1000000` with `USD` is $10,000.00.
per_transactionobjectrequired
Maximum amount of a single transfer on this rail. `amount` is a non-negative integer of minor units; `250000` with `USD` is $2,500.00. Must not exceed `daily`.
fednowobject
optional

Daily cap and per-transaction cap for one transfer rail. `per_transaction` must not exceed `daily`. Amounts are non-negative integer minor units.

Properties of fednow
dailyobjectrequired
Maximum amount that may move on this rail in one calendar day in the program timezone. `amount` is a non-negative integer of minor units; `1000000` with `USD` is $10,000.00.
per_transactionobjectrequired
Maximum amount of a single transfer on this rail. `amount` is a non-negative integer of minor units; `250000` with `USD` is $2,500.00. Must not exceed `daily`.
internalobject
optional

Replacement daily and per-transaction caps for internal book transfers.

Properties of internal
dailyobjectrequired
A monetary value stored as an integer number of minor units plus an ISO 4217 currency code. Never a float, never a decimal string. For `USD`, `amount` is cents (`1250` is $12.50).
per_transactionobjectrequired
A monetary value stored as an integer number of minor units plus an ISO 4217 currency code. Never a float, never a decimal string. For `USD`, `amount` is cents (`1250` is $12.50).

Response Codes & Schemas

200Transfer caps after the update.
application/json
{
  "id": "6e0b3d25-8a9f-4c74-a2e1-4b7d2f6c3570",
  "object": "transfer_limits",
  "program_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
  "ach": {
    "daily": {
      "amount": 2000000,
      "currency": "USD"
    },
    "per_transaction": {
      "amount": 500000,
      "currency": "USD"
    }
  },
  "wire": {
    "daily": {
      "amount": 5000000,
      "currency": "USD"
    },
    "per_transaction": {
      "amount": 2500000,
      "currency": "USD"
    }
  },
  "rtp": {
    "daily": {
      "amount": 5000000,
      "currency": "USD"
    },
    "per_transaction": {
      "amount": 100000,
      "currency": "USD"
    }
  },
  "fednow": {
    "daily": {
      "amount": 5000000,
      "currency": "USD"
    },
    "per_transaction": {
      "amount": 100000,
      "currency": "USD"
    }
  },
  "internal": {
    "daily": {
      "amount": 10000000,
      "currency": "USD"
    },
    "per_transaction": {
      "amount": 5000000,
      "currency": "USD"
    }
  },
  "created_at": "2026-01-15T12:00:00Z",
  "updated_at": "2026-08-27T15:04:05Z"
}
400Bad Request: malformed JSON, failed schema validation, or conflicting parameters.
application/json
{
  "error": {
    "type": "invalid_request_error",
    "code": "invalid_request",
    "message": "invalid order by: foo. Valid options are: [created_at updated_at]",
    "param": "order_by",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/invalid_request"
  }
}
401Unauthorized: missing, malformed, or unknown API key.
application/json
{
  "error": {
    "type": "authentication_error",
    "code": "authentication_error",
    "message": "A valid API key is required.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/authentication_error"
  }
}
403Forbidden: the API key is denied by RBAC, or it cannot access this program. A resource that exists on another program or organization returns `404 not_found`, not `403`.
application/json
{
  "error": {
    "type": "permission_error",
    "code": "permission_denied",
    "message": "The API key cannot access this program.",
    "param": "X-Program-ID",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/permission_denied"
  }
}
404Not Found: unknown id, or the resource is not visible to this API key.
application/json
{
  "error": {
    "type": "not_found_error",
    "code": "not_found",
    "message": "No card found for the given id.",
    "param": "card_id",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/not_found"
  }
}
409Conflict: incompatible state, or Idempotency-Key reused with a different body.
application/json
{
  "error": {
    "type": "conflict_error",
    "code": "conflict",
    "message": "The card cannot be reissued from its current state.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/conflict"
  }
}
422Unprocessable Entity: the document is valid JSON but violates a business rule.
application/json
{
  "error": {
    "type": "invalid_request_error",
    "code": "insufficient_funds",
    "message": "The source financial account does not have enough available balance.",
    "param": "amount",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/insufficient_funds"
  }
}
429Too Many Requests: the API key exceeded its rate limit.
application/json
{
  "error": {
    "type": "rate_limit_error",
    "code": "rate_limited",
    "message": "Rate limit exceeded. Retry after the number of seconds in Retry-After.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/rate_limited"
  }
}
500Internal Server Error: unexpected failure. Retry with the same Idempotency-Key.
application/json
{
  "error": {
    "type": "api_error",
    "code": "internal_error",
    "message": "An unexpected error occurred. Retry with the same Idempotency-Key.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/internal_error"
  }
}