Stripe payment errorStripe: charge_exceeds_transaction_limit

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Why the charge is over the limit, and the fix

1. 01

   The account’s limit for this payment type is reached

   “This charge would cause you to exceed your processing limit for this payment type.” Stripe, Error codes (charge_exceeds_transaction_limit)

   Stripe’s error text refers to your processing limit for this payment type, and says to contact Stripe to request a higher one. When you ask, name the payment method and the volume you expect.

2. 02

   Bank debit volume pushes the account over its limit

   “This error occurs when the amount of a transaction that uses a bank debit payment method causes the business to exceed their transaction volume limit.” Stripe, Changelog: error code for exceeded transaction limits

   Also check: the payment method in the failed PaymentIntent. ACH Direct Debit, SEPA Direct Debit and Bacs Direct Debit are bank debits, and any bank debit payment adds to the volume that counts toward the limit.

3. 03

   An invoice failed to finalize with this code

   Also check: for subscriptions and invoices, the code can appear in the invoice’s last_finalization_error, not only on a PaymentIntent. Read that field on invoices that didn’t finalize, so a renewal that hit the limit isn’t missed.

4. 04

   It is the rolling-window limit instead

   “This charge would cause you to exceed your rolling-window processing limit for this source type.” Stripe, Error codes (charge_exceeds_source_limit)

   Also check: charge_exceeds_source_limit is a different code for a rolling-window limit on a source type. Stripe suggests retrying that one later, or asking for a higher limit.

Checked against the vendor’s docs on November 11, 2026: Stripe docs: Error codes; Stripe changelog: error code for exceeded transaction limits; Stripe docs: Bank debits.

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Related: Stripe PaymentIntent mandate invalid · Stripe subscription past due · Stripe card decline rate limit exceeded · Stripe charge_already_captured