Modeling cash flow when a peptide merchant account has a reserve

Identify the reserve mechanics in writing

If the proposal includes a reserve, record what triggers it, how it is funded, and what conditions govern release. Ask how it is tracked in reports and whether a reserve can remain outstanding after processing stops. The agreement and related notices govern the details for the account.

Forecast from funding, not sales alone

Set up a weekly view of gross card sales, expected funding dates, refunds and disputes, fees, amounts withheld, and any confirmed releases. Compare expected deposits with supplier payments, shipping costs, and payroll. Maintain a separate row for timing assumptions you still need the provider to confirm.

Reconcile the forecast to real deposits

• Use settlement and bank records for the same batch or funding period.
• Log deductions and reserve movements separately so timing differences stay visible.
• Escalate an unexplained hold or short deposit through the provider’s support channel with the applicable batch reference.
• Update the forecast when actual funding behavior or written terms change.