Limits and Restrictions
Information about API limits, amount limits per payment method, and time restrictions.
API rate limiting
The dpay.pl API applies request rate limits to ensure service stability.
If you receive a 429 response, wait for the time indicated in the Retry-After header and retry the request. Implement exponential backoff for subsequent attempts.
Amount limits
Standard payment methods
| Method | Min. amount | Max. amount | Currency |
|---|---|---|---|
| BLIK | 0.01 PLN | 999 999.99 PLN | PLN |
| Bank transfers (PBL) | 0.01 PLN | 999 999.99 PLN | PLN |
| Payment cards | 0.01 | 999 999.99 | PLN, EUR, USD |
| Google Pay | 0.01 | 999 999.99 | PLN, EUR |
| Apple Pay | 0.01 | 999 999.99 | PLN, EUR |
| MB WAY | 0.01 EUR | 999 999.99 EUR | EUR |
| Bizum | 0.01 EUR | 999 999.99 EUR | EUR |
Actual transaction limits may be lower and depend on your account configuration in the dpay.pl dashboard. Contact support to set limits tailored to your business.
Direct Carrier Billing (DCB)
DCB has specific limits resulting from mobile operator regulations:
| Operator | Daily limit | Monthly limit |
|---|---|---|
| Various operators | Operator-dependent | Operator-dependent |
DCB limits are set by mobile operators and may vary depending on:
- Customer account type (pre-paid vs post-paid)
- Customer transaction history
- Operator-specific policies
Exceeding the limit results in a Limit exceeded error - offer the customer an alternative payment method.
SMS Premium
SMS Premium limits depend on the premium number and the configuration in the dpay.pl dashboard.
Time restrictions
| Element | Validity period |
|---|---|
| BLIK code | ~2 minutes from generation |
| Payment session (gateway) | Up to 15 minutes |
| SMS Premium code | Single-use, no time limit |
| Refund eligibility | 180 days from the transaction date |
| IPN retry | Up to 10 attempts (~17 hours) |
Refund limits
| Restriction | Value |
|---|---|
| Maximum time for a refund | 180 days from the transaction date |
| Refund amount | Cannot exceed the transaction amount |
| Partial refunds | Sum of refunds must be less than or equal to the original amount |
For details on refunds, see the Refunds section.
Recommendations
- Implement retry with backoff - do not send requests in a loop without delays
- Cache data - avoid repeatedly querying the API for the same information
- Monitor 429 responses - if you regularly receive them, optimize your request frequency
- Inform customers about DCB limits - display a message about the limit being exceeded and offer an alternative payment method