Rolling reserve calculator
See how much of your card sales a payment provider's rolling reserve will hold back, the most held at any one time, and what reaches your account in the first month. Free, no sign-up, nothing leaves your browser.
Use the terms in your provider's agreement; the starting numbers are only an example. Sales are spread evenly over a 30-day month, and fees and refunds are left out.
How a rolling reserve works
A payment provider holds back a set share of each day's card sales, often for 90 or 180 days, then pays each day's held amount out when its time is up. Once the first held amounts start coming back, the reserve stops growing: money goes in and comes out at the same pace, so the total held levels off.
Planning for it
The hit to cash flow is biggest at the start, while the reserve fills up and nothing has been released yet. Knowing the most that will be held lets you plan stock, wages and bills around it. Providers often lower or remove a reserve after a period of steady sales and few chargebacks.
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