Balance rolling and hold

Balance rolling involves freezing a percentage of the transaction amount for a specific period of time. The percentage and duration of the freeze are determined based on the nature of the merchant's activity. Furthermore, the rolling percentage is cumulative and increases in direct proportion to the turnover processed through the merchant.

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Balance hold is a static freeze of a predetermined amount (related to the merchant) by the payment service for a period of time. When the balance accumulates the required amount, a hold is formed. However, there may be other mechanisms to form a hold.

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What is the difference between balance rolling and balance hold?

With rolling, funds are automatically accumulated based on the client's turnover throughout the entire period of the project.

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With hold, the amount remains static and is available upon service/bank unfreezing.

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Balance rolling and balance hold are required to prevent the possibility of a financial risk when working with high-risk merchants.