Licence, risk & account terms — found from sitemap — Stripe

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Facts read from this source

• Reserve definition Report an error

  “A reserve is a temporary hold on a portion of a business’s funds for a predetermined period of time. Reserves are intended to cover any anticipated losses that may result from a business’s processing activity.”

• Reserve no payment block Report an error

  “Reserves do not impact a business’s ability to continue accepting payments with Stripe.”

• Reserve release terms Report an error

  “Funds held in reserve will be paid out once the reserve term is complete (minus any customer refunds or disputes that may have been covered by the reserve).”

• Reserve risk factors Report an error

  “we assess a range of factors including industry conditions, payment activity, dispute rate, refund rate, and financial stability, amongst others when calculating the level of risk.”

• Reserve triggers Report an error

  “The business belongs to an industry with longer-than-average delivery windows The business has an increased risk of not fulfilling customer orders The account has elevated dispute activity The account shows an unexplainable sharp increase in processing volume”

• Reserve notification Report an error

  “We’ll notify the account by email if and when we need to apply a reserve.”

• Reserve dashboard status Report an error

  “The status of a reserve is also viewable on the Balance page of the Stripe Dashboard (see the “Reserve” pane at the bottom of the page).”

• Reserve removal review Report an error

  “A few days before a reserve is set to expire, we conduct another credit review of the account to determine if the reserve should be removed, decreased, or increased.”

• Reserve indefinite Report an error

  “In some rare cases, a reserve may be required indefinitely to support a business on Stripe.”

• Reserve types Report an error

  “Stripe uses two different types of reserves: fixed and rolling.”

• Reserve appeal Report an error

  “It may be possible to appeal a reserve depending on the risk profile of the account. If a reserve can be appealed, the option will appear on the Balances page in the Dashboard.”

• Reserved funds use Report an error

  “If a transaction gets refunded or disputed, its corresponding reserve will be released and used to cover the refund/dispute immediately. Reserve funds will be released in full at the end of the reserve period if they are not needed to cover disputes or refunds.”

• Developer chat Report an error

  “Developer chat on Discord Chat live with other developers on the official Stripe Discord.”