Reserves

Reserves are funds in your Xendit account that are temporarily locked to cover future liabilities such as chargebacks or disputes. The funds are still yours but cannot be withdrawn until they are released. If a reserve policy applies to your account:

• You will see a Reserve Balance in your Xendit Dashboard.

• You will receive an email saying a reserve was added or updated.

Details regarding your reserve policies, including percentages, amounts, and holding days are defined in your merchant agreement or in writing from Xendit.

How Reserves Work

When Xendit applies a reserve, a portion of your settlement funds is moved from Available Balance to Reserve Balance. If a liability later occurs, Xendit may offset it with the reserve. Any remaining amount is released back to your available balance after the holding period.

Reserve Types

You may have both fixed and rolling reserves simultaneously.

Release Logic

• Fixed reserve – released in full when the contract ends, minus any unsettled liabilities.

• Rolling reserve – each day’s withheld amount auto-releases after the holding period (e.g., Day 1 funds release on Day 31).

Where to View Reserves

1. Open Balance in the Dashboard, if you have Reserves active you can see a Balance Reserves section at the bottom

2. Select See Details to view the total reserved funds and active policies.

3. The Reserve Details at the bottom shows a history of all holds and releases. These records can also be seen in the Balance History.

Terminology

• Reserves Hold – funds moved into reserve.

• Reserves Release – funds returned to available balance.

If You Stop Processing

If you stop processing with Xendit, the reserve may be used to settle outstanding liabilities before the remaining balance is released.

FAQ