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Fintoc applies separate rate limits to API requests and Business Accounts transfers. This page explains these limits and how to handle 429 Too Many Requests responses. The following limits apply:
  1. Organization rate limit: Up to 100 requests per second for each organization across the Fintoc API.
  2. Business Accounts transfer rate limit: Up to 10 Transfer requests per second for each organization. See Business Accounts rate limits.
Treat these limits as maximums. Keep your request volume below them, and handle rate-limited responses. Fintoc lowers limits to prevent abuse and raises limits for integrations that require request volumes above the defaults. Contact support at least one month before you need a higher limit.

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Handle rate limiting

Watch for 429 Too Many Requests responses. Retry each rate-limited request with exponential backoff. Start with a 1-second delay, then double the delay after each attempt: 1, 2, 4, 8, and 16 seconds. Retry up to 5 times. Add a random delay of up to 1 second to each retry to prevent clients from synchronizing their requests.