Your spending limit is your purchasing power on the Perpay Marketplace.

You can use this to guide your shopping experience on Perpay and plan your orders around your available spending limit.

To be eligible for approval, all orders must be within your current available spending limit.

We are not able to make any exceptions to our spending limit policy. If your order is over your current available spending limit, you will need to edit your order for it to be eligible for approval.

When you first sign up, your spending limit is based on the estimated net pay you enter when you tell us about your employment details.

Once you begin to place orders and make payments, our Approvals team will factor in your account history and regularly evaluate your account to see if you are eligible for a spending limit increase.

Placing orders and making payments on time builds your positive repayment history. Building a positive payment history on Perpay is the best way to qualify for a spending limit increase. As you make on-time payments towards your balance, there is a higher chance you’ll see your spending limit go up!

The best way to increase your spending limit is to make on-time payments to any outstanding orders you have with Perpay.

If you are eligible for an increase our Approvals team will automatically apply that to your account for you!

Our Approvals team is unable to take requests to increase your spending limit directly.

When viewing your Perpay Dashboard, you can see your current available spending limit in the 'Marketplace' box as pictured below.

Your available spending limit is calculated in the following way:

Total Spending Limit - Outstanding Balance = Available Spending Limit

Your outstanding balance is the total remaining balance on all approved orders on your account. This total will automatically update each time a payment applies to your marketplace order or a previously approved order is canceled or credited by our Customer Success team.