ACH Account Limits for API Apps
ACH account creation for API apps and organizations is capped at a default maximum of 50 accounts. An attempt to create an account beyond the applicable limit fails with an HTTP 400 response and error_code: invalid-input.
App and organization scopes
The limit applies at two scopes, and each defaults to 50:
API app — the app's own ACH accounts.
Organization — unique ACH accounts across the organization and all of its API apps. An account shared between the organization and one of its API apps is counted once.
An API app that has no app-level maximum of its own uses its organization's setting.
Default maximum
Both scopes default to a maximum of 50 accounts. The 50th account is allowed; creating the 51st is rejected. The limit is checked before the new account is saved, so an over-limit account is never created.
Affected creation flows
Both manual and Plaid-based ACH account creation for API apps and organizations enforce the limit:
PUT /v2/apps/{app_id}/ach-account— create an account from manually entered account and routing details.The Plaid ACH link-token exchange for an API app — create an account from a linked bank account.
Limit errors
Exceeding the applicable limit returns HTTP 400 with error_code: invalid-input and one of these messages, where the count is the number of existing accounts at that scope:
app {id} has too many ach accounts: {count} (max 50)org {id} has too many ach accounts: {count} (max 50)
The response body also sets success: false and carries the message in the message field.
Recovery
Review the existing ACH accounts for the app or organization and remove any you no longer need, or contact Dots about the configured maximum. Do not retry the same request — it fails again until the account count drops below the limit.
User-owned payout accounts
User-owned payout bank accounts are not subject to this limit. Adding a payee's personal payout bank account, whether through Plaid or manual entry, is unchanged.
For app resources and app-level API behavior, see App Management API. For creating an API app and connecting an organization bank account in the dashboard, see Getting Started with the Dots Dashboard.