Rolling Reserve Definition

Merchant Account Rolling Reserve Explained:

What is a Rolling Reserve? A rolling reserve is a type of cash reserve that withholds a small percentage of all of a merchant’s gross sales in a non-interest-bearing account for a predetermined amount of time before releasing the funds to the merchant. Rolling reserves are typically used by credit card processors as a risk management tactic for high risk merchant accounts.

Unlike reserve accounts, which are usually established and funded in reaction to anticipated risk for a merchant, rolling reserves are taken up front from all of a merchant’s sales as a preemptive way for a processor to protect itself from potential loss. Most rolling reserves take 5-10% of a merchant’s credit card sales and hold them for a certain period of time, usually a week or two, before releasing them to a merchant. Business owners who cannot afford to wait for access to 10% of their revenue stream should be sure to avoid merchant accounts with rolling reserves attached.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

No Reviews Yet Leave Your Review Below

Leave a Review

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.