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Capped vs rolling — which locks more cash
Rolling holds a percent of settlement for a window. Capped stops adding once a dollar ceiling is full. Neither is a fee. The question is which steady-state lock is smaller for your volume — not which word looks nicer on the ISO deck.
Pair: Capped vs rolling lock on Payments.
How to read it
Type monthly settled volume, the rolling percent, hold days, and the cap dollars on this schedule. The calculator shows rolling lock, capped lock, and which is smaller. Days until a deposit is spendable sit on batch to bank. Stage names sit on sold vs settled.
What not to do
Do not call either a junk fee. Do not invent a “typical” 10%. Do not compare without your volume. Do not bid the locked cash.
Related: Payments, MPA fee waterfall, marketplace holdback vs reserve.
Procedure
- Type monthly settled volume for this MID.
- Type rolling % and hold days from the schedule.
- Type the dollar cap if the offer is capped.
- Take the smaller lock — still not spendable.
Failure modes
- Calling either structure a processing fee.
- Picking the label without typing volume.
- Inventing a typical 10%.
Worked example
None on this page yet. When one lands it will be a real case: what broke, the number, and what changed. Not a composite.
Glossary
- Cap
- Dollar ceiling on held settlement. Once full, rolling % stops adding.
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FAQ
- Is a rolling reserve cheaper than a capped one?
- Only if you type the numbers. Cap wins when the uncapped rolling lock sits above the ceiling.
- Is either one a processing fee?
- No. Both are withheld settlement. They may release later. They are not spendable this week.
- Does a lower percent always mean less cash locked?
- No. Percent times hold days times volume decides. A short high-% window can beat a long low-% window.