A company limit is a configurable daily debit or credit threshold for an ACH-processing company. It turns transaction-volume expectations into a dashboard check: compare the company’s processed totals with its configured limits, then flag an exception when a threshold is exceeded. This supports safeguards against unauthorized or unexpected financial activity while keeping the limit settings separate from the transaction records. section 10.8 section 10.7.2
Store limits in a dedicated company_limits table linked to companies by company ID. The relationship preserves referential integrity, and cascading updates or deletion keep limit records aligned with their company. Because limits are optional, queries must handle companies that have no limit record. A basic design stores daily debit and credit thresholds, not running totals; the API calculates totals when needed. section 10.7.1
Listing 10.40 Company Limits table
CREATE TABLE company_limits
(
company_limit_id UUID DEFAULT uuid_generate_v4(),
company_id UUID NOT NULL REFERENCES
companies (company_id)
ON DELETE CASCADE ON UPDATE CASCADE,
daily_debit_limit NUMERIC(12, 2) DEFAULT NULL,
daily_credit_limit NUMERIC(12, 2) DEFAULT NULL,
created_at TIMESTAMP NOT NULL DEFAULT NOW(), #1
updated_at TIMESTAMP NOT NULL DEFAULT NOW() #1
);
The table structure shows the company link plus separate nullable daily debit and credit limit fields. section 10.7.1
Implement the check as a short operational flow:
- Aggregate credit and debit amounts from ACH batch-control data for the selected company. section 10.7.2
- Return the configured limits, current totals, and Boolean indicators for whether each threshold has been exceeded. section 10.7.2
- Evaluate the file while processing its batch-control record, so the resulting exception can identify the responsible batch. section 10.7.2
- Write a company-limits-exceeded exception and optionally associate a recovery action when the check returns true. section 10.7.1 section 10.7.2
Daily debit and credit check
A company can be configured with a daily debit limit of 400.00 and a daily credit limit of 750.00. The dashboard API derives the company’s current debit and credit totals from ACH batches, compares each total with its threshold, and returns both the amounts and exceeded flags. If processing a file pushes a total beyond its limit, the system records an exception against that file and batch. section 10.7.1 section 10.7.2
Present the result in direct business terms: show current company credits and debits alongside their limits, using green when an amount is within its threshold and red when it exceeds it. Existing exception handling can flag the affected file in the dashboard and exceptions grid. Exception details should add the company name and recovery option so users can understand the alert rather than relying only on a record or error code. section 10.7.3 section 10.7.3
Listing 10.46 Company credits and debit limits
…
axios.get<CompanyLimitsResponse>(`${apiUrl}/companies
➥/${companyId}/limits`, …
return (
…
<Title>Company Limits</Title>
<Typography component="p" variant="h4">
Company Credits:
</Typography>
<Typography component="p" variant="h6">
<Typography component="span"
variant="h6"
style={{color: response.daily_credit_exceeded ? #1
'red' : 'green'}}> #1
{formatCurrency(response.current_credit_total)}
</Typography>
{" of "}
{formatCurrency(response.daily_credit_limit)}
</Typography>
<Typography component="p" variant="h4">
Company Debits:
</Typography>
<Typography component="p" variant="h6">
<Typography component="span"
variant="h6"
style={{color: response.daily_debit_exceeded ? #2
'red' : 'green'}}> #2
{formatCurrency(response.current_debit_total)}
</Typography>
{" of "}
{formatCurrency(response.daily_debit_limit)}
…
The UI example pairs each current total with its configured limit and changes the amount’s color from green to red when exceeded. section 10.7.3
