What is a rolling reserve?

Quick answer

A rolling reserve is a small percentage of your transaction volume that is temporarily held to help manage risk and cover potential chargebacks or refunds.

How a rolling reserve works

When a rolling reserve is applied:

• A percentage of each transaction is held back
• The held funds are released after a set period (e.g. 30–90 days)
• The remaining balance is paid out as normal

Why rolling reserves are used

Rolling reserves help:

• Protect against chargebacks and disputes
• Meet card network and acquiring bank requirements
• Support higher-risk or growing businesses

When a rolling reserve may apply

A rolling reserve may be used depending on:

• Your industry
• Transaction volumes
• Business model
• Chargeback risk

How QashPay manages this

QashPay assesses your business during onboarding to determine whether a rolling reserve is required.

If applicable:

• The terms will be clearly defined
• The reserve structure will be explained
• You’ll know how and when funds are released

Important

Not all businesses require a rolling reserve. It depends on your individual risk profile.

Related articles

• Why does QashPay review risk before approving an account?
• How long do payouts take?
• Why can’t I see pricing?