In some cases, Talo Payments may hold a portion of each payout for a set period. This is called a reserve.
Reserves help ensure you have enough funds to cover refunds, chargebacks, or other adjustments. After a period of time, your account may be reviewed to determine whether a reserve is still required.
Types of Reserves
Talo may apply one of two reserve types:
Rolling reserve
The most common type. A percentage of each payout is held for a specific number of days, then released in the next available payout. This continues on an ongoing basis.
One-time reserve
A fixed amount is held once from your available balance for a set number of days, then released in the next available payout.
In rare cases, the reserve release date may be extended after a review. This means certain reserve amounts will be released at a later date so Talo Payments can continue protecting against potential chargebacks and refunds.
How Reserve Funds Work (Example)
If 10% of each payout is held for 90 days, the In Reserve tab shows how much is currently being held and when each amount will be released.
Example:
$15.00 held from the Jan 1 payout → released Apr 1
$40.00 held from the Jan 2 payout → released Apr 2
$20.00 held from the Jan 3 payout → released Apr 3
When each reserve amount is released, it is added to your next scheduled payout based on your payout schedule (daily, weekly, monthly).
The Released tab shows the history of reserve funds already released and which payouts they were added to.
How to View Your Reserve Funds
Go to Sales > Balance & payouts in your dashboard
Click Reserve Funds (will only be shown if your account has a reserve plan)
Choose one:
In reserve — see funds currently held
Released — see funds already released