Generally, we will make funds that you receive available to you immediately. However, in order to minimize the costs you and we may incur due to disputes and chargebacks, we may sometimes delay the availability of certain funds. You will not be able to spend or withdraw the unavailable funds for a given amount of time. This policy may be applied to particular transactions or to all transactions received by a specific account.
When we delay the availability of all or some portion of all transactions received by a specific account, it is called a "reserve". In other words, we will set aside an amount of your money as pending for a given period of time. We will notify you if a reserve will be applied to your account, along with the type, the amount and duration. The information will also be provided on your Account Overview page. Reserve types include:
- A rolling reserve - we will hold a certain percentage of your funds on a rolling schedule and release them at the end of a given timeframe. For example, if we set your reserve at 10% for a 90-day rolling period, we'll hold 10% of the payments you receive on the first day until day 91, 10% of your second day's payments until day 92, and so on. You can use the remaining funds immediately.
- A minimum reserve - we will require you to maintain a pre-determined amount of money in your account with us. For example, if we set your reserve at $5,000.00, we'll hold a percentage of each day's received payments until this pending balance reached your minimum balance level. Once that level is reached, that amount will be held as pending in your account.
- Payment holds - we will temporarily hold 100% of the funds you receive as a pending balance in your account, and release the funds associated with each transaction after a given timeframe. For each transaction, we may release the funds sooner if we determine that the transaction has been fulfilled and your customers are satisfied. Learn more.
In certain situations, we may hold funds related only to a particular transaction. Below are circumstances where that may occur.
- eBay item holds - we may place a hold on a payment received for an eBay transaction when we believe there is a high level of risk that the transaction will be disputed or charged back. We may hold the funds for up to 21 days but may also release the hold sooner if the buyer leaves positive feedback on eBay or we can confirm satisfactory delivery of the item.
- Disputes, Claims, Chargebacks, and Reversals - in the event that a customer files a dispute, claim, or chargeback or if we initiate an investigation, we will typically hold the funds in question until the matter is resolved. The buyer is less likely to escalate a dispute to a claim if you are working together on a solution. To learn more about PayPal Dispute Resolution, visit the Security Center.