🚦 What’s the difference between first-party and third-party transactions?
First-party transaction:
You are sending money from your own bank. It’s your name on both sides of the transfer.
Third-party transaction:
Someone else is sending money to your Decaf account. This could be a friend, client, employer, or family. Their name is on the sending account, not yours.
Note that some fintech apps are considered as third party as well.
Personal accounts
Personal accounts
First-party transactions: No deposit, monthly, or annual limits for both U.S. and non-U.S. residents.
Third-party transactions:
For U.S. residents: Under $4,000 per transaction limit. Transactions above this limit may be rejected.
For non-U.S. residents: Third-party person-to-person payments are permitted for amounts less than $2,000.
Business accounts
Business accounts
No deposit, monthly, or annual limits for both U.S. and non-U.S. residents.
⚠️ Certain transaction volumes or frequencies may trigger our AML alerts and require additional review.
To avoid delays, we recommend limiting activity to 1–2 transactions per day.
If you ever need help, we’re here to assist:
💬 Support: Contact us via chat in the Profile > Support section