Rolling reserve Definition.

Rolling reserve: the acquirer or PSP holds back a percentage of the merchant’s sales (typically 5% to 15%) for a rolling period of 90 to 180 days, to cover future chargebacks and returned payments. It is standard in high-risk sectors and those with delayed delivery: travel, ticketing, long-term subscriptions, crypto. Its terms (rate, duration, release) are negotiated in the acquiring agreement.

See also

→ Chargeback→ Acquirer

Where this term appears

GuideThe role of banksGuideMerchant, acquirer, PSPGuideMerchant agreements and onboardingGuideThe chargeback lifecycleGuideReconciliation principlesGuideMarketplaces and the safeguarding of fundsCourseA CB card transaction, end to endCourseReconciliation and bank file formatsCourseMarketplaces: collecting for third parties and safeguarding fundsCourseManaging payments by KPI: authorization, conversion, fraud, and costsCoursePayments vocabulary in one hourCourseTreasury and cash management

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