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Rate Limiting for Virtual Accounts

Endpoints that involve virtual-accounts have specific rate limits to ensure system stability and fair access for all clients.

What’s in Scope?

  • Endpoints affected: All endpoints with virtual-accounts in the path.
    • Example: POST …/virtual-accounts
    • Example: GET …/virtual-accounts/{id}
  • How requests are counted: Limits are applied per client account.

The Limits

ScopeApplies ToLimitWhat Happens If You Go Over
Per ClientAll virtual-accounts endpoints3,000 requests per hourYou will receive a 429 Too Many Requests response.

What Happens if You Hit the Limit?

If you exceed 3,000 requests in a rolling 1-hour window, you’ll receive an HTTP 429 Too Many Requests response.

Example response

{
  "error": "Rate limit exceeded",
  "message": "You have exceeded the limit of 3000 requests per hour.",
  "retry_after": "3600 seconds"
}

Quick Tips

  • Monitor your usage: Keep track of your request volume to avoid hitting the cap.
  • Implement Backoff: If you receive a 429, respect the retry_after header or implement exponential backoff in your retry logic.
  • Batch Operations: Where possible, use batch endpoints or efficient querying to minimize the number of individual requests.