Rolling reserve planning for high-risk merchants
Helping merchants understand reserves, settlement delays, and cash flow impact before they become a problem.
What this solution means
A rolling reserve is a percentage of sales held by the acquirer for a defined period to cover refunds, chargebacks, and risk exposure. Reserves are normal in high-risk acquiring.
Who it is for
Any high-risk merchant whose acquirer requires a reserve, or who is preparing for a new account.
Why it matters
Reserves directly affect working capital. Planning ahead prevents cash flow surprises and supports negotiation with partners.
Common risks
Underestimating reserve impact, mis-modelling release timing, and failing to plan for reserve increases.
Compliance requirements
Reserve terms must be disclosed clearly and aligned with the merchant's actual risk profile.
How VaultPay supports merchants
We help you model reserve cash flow, review terms, and prepare for reserve reviews.
Documents or information needed
Current and projected volumes, refund and chargeback ratios, and existing reserve terms.
Ready to move forward?
Model your reserve impact