Rolling Reserve Program

Why it Exists

Our bank requires us to hold 10% of all credit card transactions for 30 days to protect against chargebacks and other risks; this is called a "rolling reserve". Other platforms hide the rolling reserve by taking more than 10% of your sales as profit, and that covers the reserve for you. We don't take a percentage of your sales, so we have to be more transparent about the rolling reserve than other platforms.

It's important to note that nearly all platforms have a rolling reserve. If PayPal, for example, sees that you're getting an influx of sales, they will also hold your funds for a time as part of their own rolling reserve program. These rolling reserves are unavoidable, but our goal is to make ours as transparent as possible.

How it Works

If you sell less than $100 in a month, you will not be affected by the rolling reserve. This is because your monthly fee essentially covers your rolling reserve, and we take on the risk on your behalf.

If you sell more than $100 in a month, you'll be automatically enrolled in the rolling reserve program. Each of your orders will have 10% set aside for the rolling reserve. The remaining 90% is called the "principal". When you request a payout, you'll receive the principal amount immediately (90%), and then your reserves will be released the next time you request a payout.

The reserved money is still yours, and is not a fee. If you don't incur any chargebacks, you receive your full reserve amount back.