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Treat the rolling-reserve review date as a negotiation clock
A rolling-reserve review date is the calendar point on the schedule when the processor agreed to look at the hold again. It is not an automatic cut. It is not the release forecast for when parked cash returns. It is not a mid-contract raise. Hope is not a percent.
Pair: Rolling-reserve review date checklist on Payments.
What the date is
The schedule names a first look — 90 days, six months, or another written window after go-live. On that date you ask for a lower percent, a shorter hold, or a move toward a cap. They can say no. They can raise you instead if the clause allows. Bring the file.
What to bring
Chargeback and refund ratios for the months since boarding, on this MID. Blended brand numbers do not count.
Settled volume vs the underwriting story. If you blew past the plan, say so with settlement, not CRM paid.
The current percent, hold days, and any cap exactly as the schedule reads. We do not fill typicals.
The ask. Lower %, shorter days, or a dollar cap — one written ask, not a vague “can we revisit.”
What not to do
Do not skip the date and assume they will email a cut. Do not show up with CRM revenue and no CB extract. Do not treat a sales promise of “we review at 90” as the schedule if the MPA is silent — get the date written. Do not confuse this clock with when a week’s withhold releases while you still process.
Related: Payments, reserve release, mid-contract increase, capped vs rolling.
Procedure
- Find the review date on the schedule — or get one written.
- Pull CB/refund ratios and settled volume for this MID.
- Type current %, days, and any cap from the clause.
- Book the ask before the date. One written ask.
Failure modes
- Assuming the date lowers the percent by itself.
- Inventing a 90-day review the schedule did not write.
- Showing CRM revenue with no CB extract.
- Confusing the review clock with the release forecast.
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
- Reserve review date
- Calendar point on the schedule to look at the rolling hold again. Not an automatic cut. Not a mid-contract raise.
Work with us — We run this job on your accounts. Services
FAQ
- Does the review date automatically lower my reserve?
- No. It is a calendar commitment to look again. Without a written cut, the percent stays.
- Is the review date the same as a mid-contract increase?
- No. A [raise after go-live](/manuals/reserve-increase-mid-contract) changes the hold up. The review date is your chance to ask for a cut or a shorter window.
- Can I invent a 90-day review if the schedule is silent?
- No. Type the date they wrote. Silent schedule means you negotiate a date — you do not assume one.