Percentage of a sale's value held back by the payment platform for a period, as protection against a future chargeback.
A rolling reserve is the percentage of a sale's value that the payment platform keeps set aside, outside the balance available for immediate withdrawal, for a set period. The reserve works as protection against chargebacks: if a sale is disputed within the reserve period, the set-aside amount covers the loss without affecting the rest of the seller's balance.
Once the reserve period passes with no chargeback, the held amount is released to the available balance as normal.
A payout term is a cash flow decision, not a contract line. The gap between getting paid in D+3 and D+15 is working capital sitting still when it could be buying traffic today.
Wellington CostaGlobal Payments Specialist
Mundpay processes payments in 190 countries with local currency checkout, a human risk team and fast payouts. Open an account and test it against your own operation.
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Writes about payment infrastructure, checkout conversion and chargeback reduction. Works directly with digital product sellers, affiliates and creators selling to more than 40 countries through Mundpay.
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