As a Software Platform, I need to put a Reserve on a merchant (for example 20%) throughout a month.

At the end of the Month, I need to release all the funds that are in the Reserve.


  • Reserves are controlled by the Partner (Software Platform), as opposed to using Payouts at a % which can be adjusted by the merchant.

  • Chargebacks do NOT affect a merchant’s Reserve Balance, meaning potentially a chargeback can push a merchant into a negative balance, possibly triggering a negative Disbursement, clawing back funds from their bank account.