Reserve

Sometimes, your settlement account balance may be insufficient to cover customer refunds, potentially leading to customer dissatisfaction and damaging your brand reputation. To prevent this, you can establish a reserve account funded from your settlement account. This reserve can be used to cover potential shortfalls in meeting refund requests.

Reserve type

There are two types of reserve:

• Frozen amount: Antom determines and sets the frozen amount based on your transaction volume, risk level, transaction type, and business type.
• Unfrozen amount: This amount is dynamic. Antom deducts a percentage from each settlement batch as a reserve and sets a rolling period. After the rolling period expires, the reserve is released and settled with your most recent settlement batch.

To check the current balance of both reserve types, go to the Finance > Reserve.

Reserve threshold

You can set a desired threshold for your reserve account. Antom will maintain this amount by withholding funds from your payouts. The threshold ensures smooth processing of refunds, chargebacks, and other operational expenses.

To set the threshold, click Set threshold on the Finance > Reserve page.

Reserve release

• Frozen amount release:

• When your reserve charge standard is lowered, the excess reserve amount is released to your batch settlement funds.
• After terminating your acquiring contract with Antom, the reserve is held for approximately 180 days to cover chargebacks and losses. Any remaining reserve after this period will be returned to you. If the reserve is insufficient to cover costs, you will be required to compensate for the deficit.

• Unfrozen amount release:

• Released periodically based on the rolling period.
• The unfrozen amount deducted from a specific settlement batch is released after the rolling period and settled in your latest settlement batch.