How much does a reserve cost you?

Enter your volume, reserve percentage and hold period to see the cash tied up at steady state and a month-by-month build-up schedule.

A rolling reserve holds back a slice of every settlement for a fixed period. It protects the acquirer, but it ties up your cash. See how much.

Monthly card volume

€

Reserve held % of volume

Hold period months

Monthly growth optional, %

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Cash tied up at steady state

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Held back each month

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First release in

Month	Added	Released	Reserve balance

At steady state your reserve balance ≈ monthly volume × reserve % × hold period. That money is yours, it's just not available. Reserves are usually negotiated down as your chargeback history proves out, one more reason to keep that ratio low.

See how Unlimited recovers revenue →More free tools