Fixed and rolling reserves
Last updated: May 14, 2025
Checkout.com may hold some of your funds in reserve. We use this reserve to cover chargebacks, refunds, and other costs Checkout.com is liable for if you're unable to cover them yourself.
We hold a fixed amount of your funds in reserve for the duration of your Checkout.com contract, unless we inform you otherwise.
We hold a percentage of each payment that we process and release it back to you after a specified time frame.
For example, you have a rolling reserve of 10% with a 30-day retention period. On day 1, you accept a payment of 10 GBP with Checkout.com. We hold 1 GBP in reserve and credit the remaining 9 GBP to your Available balance. On day 31, we also release the 1 GBP to your Available balance.
The rolling reserve mechanism continues for the duration of your Checkout.com contract, unless we inform you otherwise.
How long we hold the reserve for depends on the terms of your Checkout.com contract. Because the details may be different for each merchant, we communicate these to you individually.
Checkout.com may periodically review your reserve amount, rate, or retention period, depending on:
- The volume of transactions you process
- The financial health of your business
- The number of refunds and chargebacks raised against you
- Any other factors that affect your risk profile
As a result of such reviews, we may adjust the terms of your reserve, in accordance with the terms of your Checkout.com contract.