The non-counter payment limit refers to the upper limit set by banks or financial institutions for transactions on non-counter channels (such as mobile banking, online banking, self-service terminals, etc.).

It was established to protect customer property safety, prevent risks and meet regulatory requirements. Non-counter channels facilitate customers to perform various banking operations, but there are also certain risks, such as account theft and online fraud. To this end, banks have formulated non-counter payment limit regulations to limit single and cumulative transaction amounts in order to control risks and protect the safety of customer funds.

Non-counter payment limits are usually set according to the customer's risk level and personal needs, such as daily limits, monthly limits, single transaction limits, etc. Customers can complete transactions through non-counter channels, but are restricted within certain limits. Transactions that exceed the daily limit or single limit require additional authorization, or you need to go to the bank counter for confirmation and operation.

For individual users, the specific settings of non-counter payment limits vary from bank to bank. Customers can apply to the bank to adjust the limit based on their own needs and risk tolerance, so as to improve the balance between payment convenience and security to a certain extent. It should be noted that the non-counter payment limit is a risk control measure taken by banks to protect customers' financial security.

Before making any payment, customers should carefully understand and comply with the limit regulations set by the bank to ensure that the limit requirements are met and to avoid unnecessary trouble and risks.

The role of the non-counter payment limit:

The non-counter payment limit refers to the bank’s limit on the cardholder’s non-counter transactions. The main function of this measure is to protect The cardholder’s funds are safe and criminals are prevented from carrying out illegal activities such as theft and money laundering through online fraud and other means. The non-counter payment limit can effectively prevent bank cards from being used by criminals to conduct high-value illegal transactions, and reduce the economic losses suffered by cardholders due to bank card theft.

The limit measure can force criminals to use low-amount fraud methods and reduce the risk of bank card fraud. In addition, for consumers, the limit policy can also indirectly promote consumers to rationally plan and control their consumption and avoid financial difficulties caused by irrational consumption. It should be noted that the setting of non-counter payment limits must be strictly controlled and cannot be too loose or too strict.