Rolling Reserve
A rolling reserve is a temporary hold applied to a portion of a merchant’s payouts to help manage payment risk and protect the ecosystem. Rolling reserves are primarily used to cover potential refunds, disputes, or chargebacks, especially in recurring payment models where payments are processed over time. Rolling reserves are applied based on predefined risk levels, and all reserve amounts, levels, holding periods, and releases are fully visible in your dashboard, providing complete transparency on how funds are managed.
How It Works
When a rolling reserve applies, a percentage of each transaction is withheld and released automatically after a defined holding period.
Once the holding period ends, reserved funds are paid out as usual, provided there are no outstanding disputes or refunds.
Rolling Reserve Levels
Suby applies rolling reserves based on the risk profile of each merchant. The reserve level may evolve over time depending on factors such as chargeback rates, refund activity, and payment history.
Tier 0
0%
0 days
Tier 1
5%
30 days
Tier 2
5%
60 days
Tier 3
5%
90 days
Risk-Based Adjustments
Rolling reserves are risk-based and may be adjusted over time.
Merchants with low dispute and refund rates may see their reserve reduced or removed, while increased chargebacks or abnormal refund behavior may result in a higher reserve level or longer holding period.
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