A rolling reserve is an arrangement in which a payment provider withholds a percentage of transactions to help cover potential losses such as chargebacks. Funds are held and released on a rolling timetable. The agreement determines the percentage, holding period and release conditions. Source: Stripe: Rolling reserves

Put the reserve into the forecast

Ask the provider for the actual withholding and release schedule, then include it in cash planning. Compare the available receipts with supplier due dates. This shows how the proposed reserve affects usable funds before the business commits to the arrangement.

Check the change and exit terms

Read when the provider may review the reserve and what happens when processing ends. Request an explanation of any unclear release conditions. Keeping those terms with the forecast helps the team plan for a change without assuming all held funds become available immediately.

Written and updated by Travelgenix. Sources checked on 19 October 2026. Practical advice and examples are Travelgenix editorial guidance.