Individual reserves
A reserve is temporarily unavailable seller money, not an additional fee. It is calculated on eligible seller payable after buyer tax, commercial sale fees and confirmed seller-borne costs, before the payout-batch fee.
| Category | Reserve | Hold policy |
|---|---|---|
| Default / new | 10% | 90 days |
| Reduced risk | 5% | 90 days |
| Proven | 0% | No routine hold |
| Higher risk | 15% | Up to 120 days; current allocator schedules 120 days |
Qualification in the current policy
Section titled “Qualification in the current policy”- Reduced: at least 90 days from first qualifying settled sale, 25 settled card sales, $5,000 qualifying USD merchandise and dispute ratio strictly below 0.50%.
- Proven: at least 180 days, 100 settled card sales, $25,000 qualifying USD merchandise and dispute ratio strictly below 0.30%, with no unresolved refunds/disputes.
- Both lower tiers require no refund/dispute debt or reconciliation requirement and known qualifying USD amounts. Current aggregation does not qualify foreign-currency history for a lower tier without authoritative conversion evidence.
- Higher risk takes priority: reviewed high risk, risk suspension, or dispute ratio at least 0.65% when there are qualifying sales. Plan payment does not qualify a lower tier.
Read the reserve correctly
Section titled “Read the reserve correctly”- Open the Individual Payments → Individual transactions view and review Reserve held for the sale, currency and environment.
- Check its allocation and release date. Each allocation retains its own policy/date; a later tier change does not rewrite earlier holds.
- Wait for both the period and provider-confirmed release/eligibility. The clock alone is not proof of available bank funds.
- Check separate refund, dispute, debt and reconciliation holds. A 0% routine reserve does not remove those restrictions.
Stripe confirmed platform Reserve API access in August and reconfirmed it on October 13, 2026 for eligible accounts. Actual account eligibility and provider receipts remain required. The current Individual separate-charges-and-transfers workflow uses explicit standalone reserve holds against transferred seller funds. An automatic percentage-of-charge Reserve Plan is a different mechanism.
Kordiva-managed reserves are separate from additional reserves or restrictions imposed by Stripe. Express custody and a scheduled release are not confirmed bank arrival.
Release still pending
Section titled “Release still pending”Ask support to review missing provider release evidence or reconciliation. Do not infer release from an expired date or attempt a seller-initiated bank payout to bypass a hold.
Related guides
Section titled “Related guides”Reserve calculation example · Bank payout eligibility · Dispute holds