Rate limits

Default limits

Scope	Limit	Window
Per account	600 requests	1 minute
Burst	Allowed	Short bursts above 600/min are tolerated

Exceeding the limit returns 429 Too Many Requests with a Retry-After header indicating how many seconds to wait.

{
  "error": {
    "type": "rate_limit_error",
    "code": "too_many_requests",
    "message": "Rate limit exceeded. Retry after 12 seconds.",
    "requestId": "req_abc123"
  }
}

Handling 429 responses

Respect the Retry-After header

The response header tells you exactly how long to wait before retrying.

Retry-After: 12

Use exponential backoff

If Retry-After is not present, implement exponential backoff starting at 1 second with a maximum of 60 seconds.

async function requestWithBackoff(fn, maxRetries = 3) {
  for (let attempt = 0; attempt <= maxRetries; attempt++) {
    const res = await fn();
    if (res.status !== 429) return res;

    const retryAfter = res.headers.get('Retry-After');
    const delay = retryAfter
      ? parseInt(retryAfter, 10) * 1000
      : Math.min(1000 * Math.pow(2, attempt), 60000);
    await new Promise((r) => setTimeout(r, delay));
  }
  throw new Error('Rate limit exceeded after max retries');
}

import time, requests

def request_with_backoff(fn, max_retries=3):
    for attempt in range(max_retries + 1):
        res = fn()
        if res.status_code != 429:
            return res
        retry_after = res.headers.get("Retry-After")
        delay = int(retry_after) if retry_after else min(2 ** attempt, 60)
        time.sleep(delay)
    raise Exception("Rate limit exceeded after max retries")

Add idempotency keys

Always include an Idempotency-Key header on POST requests so retries do not create duplicate transactions.

For batch operations or sustained high-volume traffic, contact integrations@fingo.africa to request a higher rate limit.

Getting Started

Core Concepts

Release Notes

Default limits

Handling 429 responses

​Default limits

​Handling 429 responses

Default limits

Handling 429 responses