> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# API rate limits

> How Fintoc applies rate limits to API and Widget requests, and how to handle `429 Too Many Requests` responses.

This page describes Fintoc's two API rate limits, what happens when you exceed them, and how to handle `429 Too Many Requests` responses. Two rate limits apply:

1. **Organization rate limit:** 100 requests per second per organization, across the Fintoc API.
2. **Widget connection rate limit:** 100 requests per 130 seconds per organization, across Widget connections.

These limits are maximums. Keep your request volume below them, and handle any rate-limited responses gracefully.

Fintoc adjusts these limits over time, lowering a limit to prevent abuse or raising a limit for integrations that need more than the default limits. To request a higher limit, contact support at least one month before you need it.

## Handle rate limiting

Watch for `429 Too Many Requests` responses and retry the request with exponential backoff. Start at a 1-second delay and double the delay on each attempt: 1s, 2s, 4s, and 8s. Retry up to 5 times, and add up to 1 second of random jitter to each delay so retries from different clients do not synchronize.