The rolling reserve fund* is a small amount of money that the bank holds against your payment processing to cover contingencies, such as chargebacks and refunds. The reserve is a fixed percentage amount based on your weekly sales volume, usually between 5-10%. Your acquiring bank will place the money into a rolling reserve fund, and six months later, you’ll receive a payout of these funds. (See the chart below.) While most US banks do not require a rolling reserve fund, many offshore acquiring banks do.
||Payout Week and Amount
||July 2-8 for $1,000
||July 9-15 for $1,500
||July 16-22 for $2,000
*Please note that the rolling reserve fund only applies to high risk, international and third party merchant accounts.