Virtual terminal large transaction payment limit

🔵 Overview This article explains why a large payment entered through the Virtual Terminal can return a “Payment Failed” message, and how to check whether a specific payment amount will be accepted before submitting it.

What Causes The Payment Failed Message

Adyen, the payment processor behind the Virtual Terminal, enforces a platform-wide transaction limit. If a single payment exceeds that limit, Adyen rejects the transaction before it ever reaches Visa or Mastercard — which is what produces the “Payment Failed” message.

The Transaction Limit

The general transaction limit applied across the entire Adyen platform, regardless of country or currency, is EUR 150,000 or the equivalent amount in another currency. Adyen uses EUR as the currency for establishing this platform-wide limit.

For a transaction processed in U.S. dollars, the EUR 150,000 limit is converted to its equivalent USD value using the applicable exchange rate at the time of the transaction.

💡 Note Because exchange rates change, the equivalent USD limit can vary from day to day. A payment amount that clears the limit one day could exceed it on another.

How To Check If A Payment Is Within The Limit

Convert the USD payment amount to EUR using the current exchange rate and compare it to the EUR 150,000 limit. This gives an approximate way to determine whether a payment amount falls within the limit before submitting it.

⚠️ Critical Note A payment that exceeds the applicable limit cannot be processed as a single Virtual Terminal transaction, regardless of the card type or account.

Frequently Asked Questions

Q: Why did my large payment show “Payment Failed” in the Virtual Terminal?

A: The payment likely exceeded the platform-wide transaction limit enforced by Adyen, the payment processor. Adyen rejects transactions over that limit before they reach Visa or Mastercard.

Q: What is the transaction limit?

A: EUR 150,000, or the equivalent amount in another currency, applied across the entire Adyen platform regardless of country or currency.

Q: Why does the equivalent USD limit change?

A: Adyen sets the limit in EUR and converts it to USD using the exchange rate at the time of the transaction, so the equivalent USD amount can vary from day to day.

Q: How can I check if a payment will go through before I submit it?

A: Convert the USD amount to EUR using the current exchange rate and compare it to the EUR 150,000 limit.

Tags: virtual terminal, payment failed, transaction limit, adyen, valpay, large payments, eur limit