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Forecast when the reserve actually comes back

How to run thisPayments4 steps
CalculatorReserve release forecast · Calculator lives in the articleOpen

A rolling reserve takes a slice of each settlement and parks it. Later, a slice comes back. That is a hold, not a fee. This page asks how much sits in the park, when a live week returns, and how long the last dollar sits after you stop. It is not a what-is-a-reserve explainer.

Pair: Reserve release forecast on Payments. Naming the hold on the schedule is a different job: What each processing-agreement fee is. Subtracting this week’s hold from spendable is a different job: Turn the processing agreement into spendable cash. A raise after go-live is a different job: mid-contract reserve increase.

What to type

Weekly settled is what actually settled on this merchant account. CRM paid is not settled.

Reserve % is the withhold in this clause. We do not fill 10%. If the exhibit is silent, you do not have a number yet — get it in writing.

Rolling hold days are how long a week’s withhold sits while you still process. Hold days divided by seven is how many weeks sit in the park at once. Type the days, not a slogan.

Post-termination tail days are how long after you stop before the last dollar can return. This is often longer than the rolling window. Chargebacks and fines still hit that pool. We do not fill 180.

New hold per week is settled times the percent. Cash stuck in the rolling window is that weekly hold times hold days divided by seven. Once the window is full, a week’s withhold comes back as a new week is taken. If you stop, nothing new is taken, and the remaining pool waits on the tail.

Live vs after you leave

While you process, the park looks stable. In equals out after the window fills. That stability is not cash you can bid. It is still theirs until the clock says otherwise.

When you leave — or they dump you — the tail is the clock that matters. A short rolling window with a long tail means you funded a hold you will not see until after the account is dead. Ask that tail in writing before you board. The questions list already has a reserve row. This page is the dollars after you have the clause.

A cash reserve (a fixed amount parked up front) is not this calculator. Type nothing for that. Read the clause. If they mix rolling and cash, forecast the rolling slice here and keep the cash amount on the statement.

After the readout

If the tail is longer than the rolling window, plan cash as if the tail is the wait. If the percent is zero on these numbers, confirm the clause still says zero before you spend the cash.

Do not put the hold inside the fee percent. Do not bid the parked dollars. Do not invent a release date the clause did not write.

Related: MIDs (the account the hold sits on), Traffic (max CAC uses spendable, not parked).

Procedure

  1. Type weekly settled dollars on this merchant account.
  2. Type the reserve percent, hold days, and tail from this clause.
  3. Read cash stuck in the window. That is not a fee and not a bid.
  4. If the tail is longer than the rolling window, plan cash on the tail.

Failure modes

  • Putting the hold inside the fee percent.
  • Pasting 10% or 180 days the clause did not write.
  • Bidding the parked dollars as if they were spendable.
  • Ignoring the tail and planning as if the rolling window still pays after you leave.

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

Rolling hold
A percent of each settlement parked, then released after the hold days while you still process. A hold, not a fee.
Post-termination tail
Days after you stop processing before the last parked dollar can return. Often longer than the rolling window.

Work with us — We run this job on your accounts. Services

FAQ

Is a rolling reserve a processing fee?
No. It is cash held from settlement against later losses. It is still not spendable. It is not earned by the processor as a rate.
Can I use 10% and 180 days if the clause is vague?
No. Type the percent and days this agreement wrote. We do not fill a typical hold or a typical tail.
When I leave, does the rolling window still release on the same clock?
Only if the clause says so. Many accounts keep the last dollars until a longer post-termination tail. Type that tail.