Payment Method	Type of Flow	Minimum Payment Amount	Maximum Payment Amount
Debit & credit cards	Payments	$0.50	N/A
ACH transfer	Payments	$0.50	$25,000
ACH transfer	Payouts	$0.50	$25,000
Wire transfer	Payments	N/A	N/A
Wire transfer	Payouts	N/A	N/A
SEPA transfer	Payments	$0.01	Credit: $999,999,999 Instant: $100,000
SEPA transfer	Payouts	$0.01	Credit: $3,000,000 Instant: $3,000,000

Card Payments

As Circle charges a processing fee that includes a fixed amount and a percentage for card payments, we enforce a minimum amount when creating a payment. This is to make sure that you don’t lose money on a payment.

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There are no maximum card payment amount constraints. Obviously, the underlying card networks might apply constraints that are outside of our control.

Bank Wire Transfers

There are no minimum or maximum amount constraints applicable to bank wire transfers processed by Circle (whether payments or payouts). Your bank might restrict bank wire transfers you initiate below certain thresholds.

ACH Payments

Payments using ACH are limited to a maximum value of $25,000 per transaction. This limit applies to ACH payouts as well.

ACH payments and payouts both require a minimum of $0.50.

SEPA Transfers

Payments using SEPA credit transfer must be less than a $1 billion per transfer. While SEPA instant transfers have a maximum of $100,000 per transfer.

Payouts using SEPA credit or instant transfers are limited to a maximum of $3 million per transfer.

SEPA credit and instant transfers require a minimum of $0.01.

Other Payment Methods 🔜

We're constantly working on new payments rails support. We will publish the parameters for maximum and minimum amounts on those payment methods once they become available.

Limits

There are no pre-defined limits to the individual or aggregate payments / payouts amounts you can originate via API. Depending on the payment method, Circle might reserve the right to request that you maintain a minimum balance on your Circle account.