{"id":8831,"date":"2026-10-20T09:39:00","date_gmt":"2026-10-20T07:39:00","guid":{"rendered":"https:\/\/www.1pay.ch\/docs\/rolling-reserve-explained\/"},"modified":"2026-11-06T09:09:12","modified_gmt":"2026-11-06T08:09:12","password":"","slug":"rolling-reserve-explained","status":"publish","type":"docs","link":"https:\/\/www.1pay.ch\/en\/docs\/rolling-reserve-explained\/","title":{"rendered":"Rolling reserve: what it is and how it works"},"content":{"rendered":"<p>A rolling reserve is a small part of your takings that is set aside for a period and then returned. It covers possible future disputes or refunds. Most accounts do not have one: it applies only in certain cases.<\/p>\n<h2>When it applies<\/h2>\n<p>It depends on your account&#8217;s risk assessment. Some typical examples:<\/p>\n<ul>\n<li>activities in sectors considered higher risk;<\/li>\n<li>many disputes (chargebacks) in the payment history;<\/li>\n<li>a new activity with no history yet;<\/li>\n<li>sales taken long before the service: travel, events, tickets, bookings.<\/li>\n<\/ul>\n<p>The rolling reserve can apply only to payments through the <strong>Pay<\/strong> provider. <strong>Pay Plus<\/strong> payments are never affected. If your account has a reserve, we will tell you the percentage applied.<\/p>\n<h2>How it works<\/h2>\n<ol>\n<li>A percentage is withheld from each payment.<\/li>\n<li>That sum stays blocked for <strong>180 days<\/strong>, about 6 months.<\/li>\n<li>After the 180 days, it is returned to you with the normal payout.<\/li>\n<\/ol>\n<p>Each payout withholds a new share and, after the first six months, returns an old one. That is why it is called \u00abrolling\u00bb: after the start, the money going into and coming out of the reserve balances out.<\/p>\n<h2>A concrete example<\/h2>\n<p>A shop takes CHF 8&#8217;000.- a month with a 5% reserve.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Month<\/th>\n<th>Takings<\/th>\n<th>Withheld<\/th>\n<th>Returned<\/th>\n<th>Total in reserve<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 0.-<\/td>\n<td>CHF 400.-<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 0.-<\/td>\n<td>CHF 800.-<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 0.-<\/td>\n<td>CHF 1&#8217;200.-<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 0.-<\/td>\n<td>CHF 1&#8217;600.-<\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 0.-<\/td>\n<td>CHF 2&#8217;000.-<\/td>\n<\/tr>\n<tr>\n<td>6<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 0.-<\/td>\n<td>CHF 2&#8217;400.-<\/td>\n<\/tr>\n<tr>\n<td>7<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 2&#8217;400.-<\/td>\n<\/tr>\n<tr>\n<td>8<\/td>\n<td>CHF 8&#8217;000.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 400.-<\/td>\n<td>CHF 2&#8217;400.-<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<ul>\n<li>In the first six months you receive CHF 7&#8217;600.- a month instead of 8&#8217;000.- (fees aside).<\/li>\n<li>The reserve reaches CHF 2&#8217;400.- at most, that is six shares of CHF 400.-.<\/li>\n<li>From the seventh month you receive CHF 8&#8217;000.- a month again: 7&#8217;600.- of takings plus 400.- returned from the reserve.<\/li>\n<\/ul>\n<p>If takings change from month to month, so do the shares, but the principle stays the same.<\/p>\n<h2>Where you see it<\/h2>\n<ul>\n<li>Under <strong>Payouts<\/strong> you see the total currently withheld.<\/li>\n<li>When you open a single payout, you see how much was withheld and returned in that period.<\/li>\n<li>In the transaction export, withholdings appear as <code>payout-reserve<\/code> and returns as <code>payout-reserve-reversal<\/code>.<\/li>\n<\/ul>\n<h2>Can it be removed?<\/h2>\n<p>The reserve is reassessed over time. With a regular history and few disputes you can ask us to review it: write to us at <a href=\"mailto:info@1pay.ch\">info@1pay.ch<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A rolling reserve is a small part of your takings that is set aside for a period and then returned. It covers possible future disputes or refunds. Most accounts do not have one: it applies only in certain cases. When it applies It depends on your account&#8217;s risk assessment. Some typical examples: activities in sectors [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"doc_category":[206],"doc_tag":[],"class_list":["post-8831","docs","type-docs","status-publish","hentry","doc_category-payouts-and-reports"],"acf":[],"year_month":"2026-11","word_count":396,"total_views":0,"reactions":{"happy":0,"normal":0,"sad":0},"author_info":{"name":"1pay.ch","author_nicename":"1pay_admin","author_url":"https:\/\/www.1pay.ch\/en\/author\/1pay_admin\/"},"doc_category_info":[{"term_name":"Payouts and reports","term_url":"https:\/\/www.1pay.ch\/en\/docs-category\/payouts-and-reports\/"}],"doc_tag_info":[],"knowledge_base_info":[],"knowledge_base_slug":[],"_links":{"self":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/docs\/8831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/comments?post=8831"}],"version-history":[{"count":1,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/docs\/8831\/revisions"}],"predecessor-version":[{"id":8884,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/docs\/8831\/revisions\/8884"}],"wp:attachment":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/media?parent=8831"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/doc_category?post=8831"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/doc_tag?post=8831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}