Transaction limits in Softpay are fully managed by your acquirer or processor.
Softpay fully relies on the acquirer for these settings and decisions. We do not impose any additional monetary transaction limits beyond those enforced by the acquirer.
Limits Controlled by the Acquirer
Your acquirer determines:
Floor limit – maximum amount that can be processed without requiring online authorization from the card issuer.
CVM limit (Cardholder Verification Method) - defines the maximum amount at which a cardholder can make a contactless payment without additional verification (PIN or biometrics).
Contactless limit – Maximum allowed for contactless transactions
Minimum and maximum for transactions in general
Typical CVM limits (guidance only)
Please note: the amounts below are for guidance only. They show the CVM limits most commonly used for each currency, but they are not fixed or guaranteed. Each acquirer sets its own CVM limits, and these can differ between acquirers, countries and card types. Your actual limit may be higher or lower than shown here.
Currency | Visa | Mastercard |
EUR | 50 | 50 |
DKK | 350 | 350 |
SEK | 400 | 400 |
NOK | 500 | 500 |
CHF | 80 | 80 |
GBP | 100 | 100 |
PLN | 100 | 100 |
CZK | 500 | 500 |
HUF | 15,000 | 15,000 |
ISK | 7,500 | 7,500 |
RON | 100–200 | 200 |
USD | 100* | 100* |
BAM | 90 | 100 |
ALL | 4,500 | 4,500 |
* In the US, there's no single country-wide limit. Each acquirer sets its own, and some don't ask for a PIN at any amount.
Good to know
Your acquirer's limit always applies. If your acquirer uses a different limit from the one in the table, your acquirer's limit is the one that counts.
A PIN can still be asked for below the limit. The customer's bank may ask for a PIN on a smaller amount, for example after several contactless payments in a row. This is normal and not an error.
Limits can change. Card schemes and acquirers update their limits from time to time, so the table may not always reflect the latest values.
You can find a full list for all countries on https://en.wikipedia.org/wiki/Contactless_payment#CVM_limit