Overview
If a charge over $10,000 is being declined on your Housecall Pro Expense Card even though you have enough funds, this is expected behavior. Our payment processor, Stripe, applies a standard per-transaction security limit that can block high-dollar purchases.
This article explains the default limits, why they exist, and what you can do if you need to make a large purchase.
Why this happens
Even when you have no custom spending limits set in your Housecall Pro dashboard, some backend limits still apply for security reasons. These limits are set by Stripe and are separate from your available balance.
For example, if your balance is $25,000 and you try to make a single $15,000 purchase, the transaction will be declined because it exceeds the per-transaction limit.
Default spending limits
The following limits apply automatically unless they are changed by our support team.
Daily limit
$500
Applies to newly created cards when no custom daily limit is set
Per-transaction limit
$10,000
Applies to any single authorization or purchase
These limits apply regardless of your total account balance.
What to do if your card is declined
Step 1: Check card limits in your dashboard
Open your Housecall Pro app and review the limits on the specific card you used. Make sure a lower daily or per-transaction limit was not set by mistake.
Step 2: Split the payment as a short-term option
If you need to complete a purchase right away, ask the vendor if they can split the total into multiple transactions. For example, a $20,000 purchase can often be run as two $10,000 charges.
This can help you complete the purchase without waiting for a limit change.
Need more help?
If you continue to see declines or are unsure which limit is affecting your card, contact Support through the Blue Chat Bubble, and our team will help you review your account.
Need help or have questions?
We're here for you! Chat with Support using the Blue Chat Bubble in your Housecall Pro account, or give us a call at (858) 842-5746.