Average monthly transaction volume is a metric that reflects the number of card transactions you process in a typical month.

This figure helps payment providers and their underwriting teams determine merchant account variables like:

• Transaction volume minimums and maximums
• Potential risks
• Pricing
• Reserve account requirements

You might have high transaction volume if you sell mostly small-ticket items or offer a recurring billing model. Low volume may result from larger-ticket items and fluctuating seasonal demand.

Accurate transaction volume estimates help ensure your account is optimized for performance and pricing. If your acquirer expects 500 transactions but you process 5,000, you may hit unexpected limits or delays. On the other hand, if you are expected to process 5,000 transactions but only receive 500, your acquirer may reevaluate your fee structure and reserve account.

AltoPay uses transaction volume data to configure fraud filters, anticipate batch settlement schedules, and identify business shifts that may need operational or account-level changes.