09/03/2026
What’s the difference between a payment hold and a reserve?
A payment hold is usually temporary and connected to a specific transaction or account review. A reserve is an ongoing arrangement where a portion of your funds may be retained to cover potential chargebacks or losses.
If one expected deposit is missing, it may be a temporary hold. If funds are regularly being withheld, check your merchant agreement to understand whether a reserve applies and how those funds are released.