> For the complete documentation index, see [llms.txt](https://suby.gitbook.io/documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://suby.gitbook.io/documentation/payouts/rolling-reserve.md).

# 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.\
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Rolling reserves are primarily used to cover potential refunds, disputes, or chargebacks, especially in recurring payment models where payments are processed over time.\
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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.

| Risk Level | Reserve | Holding Period |
| ---------- | ------- | -------------- |
| Tier 0     | 0%      | 0 days         |
| Tier 1     | 5%      | 30 days        |
| Tier 2     | 5%      | 60 days        |
| Tier 3     | 5%      | 90 days        |

<figure><img src="https://1374875810-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYy2iH9VWrPaJBWpv4vs2%2Fuploads%2FIBm4oG3ixeKC1NOE1XBN%2FCapture%20d%E2%80%99e%CC%81cran%202026-01-16%20a%CC%80%2014.57.14.png?alt=media&amp;token=73eede34-e28c-4875-9704-03ae6dc44064" alt=""><figcaption><p>Rolling reserve section</p></figcaption></figure>

**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.