🚦 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.
Associated fees
💡 All transactions are subject to a 1% processing fee.
If you ever need help, we’re here to assist:
💬 Support: Contact us via chat in the Profile > Support section