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ATM cash withdrawals are subject to platform-enforced velocity limits and geographic restrictions. These exist for scheme-compliance and risk reasons. They apply to every card program, sit on top of the cardholder’s available balance, and cannot be overridden through the API or on a per-card basis. These limits are independent of spending controls you configure yourself. They constrain ATM cash access specifically, not point-of-sale or e-commerce spend.

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Limits

Amount caps are denominated in the program’s billing currency. Withdrawal counts are the same regardless of currency. For a USD program: For an HKD program: A withdrawal is rejected if it would push the cardholder past either the amount cap or the count cap for any active window. Windows are calendar-based and reset at the start of the next day, month, or year. When a withdrawal is declined for exceeding one of these limits, the transaction carries one of the following decline reasons:
  • ATM_WITHDRAWAL_LIMIT_EXCEEDED - the amount cap for the current window was exceeded.
  • ATM_WITHDRAWAL_FREQUENCY_EXCEEDED - the withdrawal count for the current window was reached.

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Geographic restrictions

ATM withdrawals are blocked in restricted jurisdictions, including mainland China, FATF-blacklisted countries, and countries subject to OFAC sanctions. A withdrawal attempted at an ATM in a restricted country is declined with TRANSACTION_TYPE_NOT_ALLOWED. This restriction applies only to ATM cash withdrawals. Point-of-sale and e-commerce transactions are governed by the restricted MCC list and standard authorization rules.
The limits above are the program defaults and can be increased for your program on request, subject to review and approval by the Reap team. Reach out to your Reap contact if your program needs higher thresholds.