Why This Happens
Stripe imposes reserves when your account's risk profile warrants additional protection against potential chargebacks and refunds. This can be triggered by elevated dispute rates, processing in high-risk categories, sudden volume changes, or new account status. Reserves hold a percentage of each transaction (typically 5-25%) for a set period before releasing to your bank.
Example Notification
"We've applied a reserve to your account. A percentage of your transactions will be held for a period of time before being available for payout. Check your Dashboard for reserve details."
Compliance Steps
Check your Dashboard for exact reserve terms and percentage
Identify what triggered the reserve (chargebacks, risk level, volume)
Lower your dispute rate below 0.5% through proactive customer service
Document business stability with financials and processing history
Request a reserve review after 90 days of improved metrics
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