Held funds (reserve)

Held funds are money a platform keeps back from a seller’s balance for a set window — a reserve against refunds, chargebacks and disputes — releasing it once the risk period has passed.

How it works

• The platform withholds a slice of each sale, or a fixed percentage of a rolling balance.
• The reserve sits apart from the seller’s spendable wallet balance.
• After the hold period — often tied to a refund or chargeback window — the funds release automatically.

A reserve differs from a hold: a hold pauses one payment, while a rolling reserve keeps a moving buffer against a book of them.

Why it matters

When a buyer refunds or disputes a sale weeks later, the money often has to come back — but the seller may already have been paid and spent it. A reserve means the platform isn’t left covering losses out of its own pocket. Set it too high and sellers feel starved of cash; too low and the platform carries the risk.

How Fynex does it

Fynex can hold funds and release them on your condition — a time window, a delivery confirmation, a dispute clearing — and refund cleanly if it doesn’t. Reserves stay separate from spendable balances, so the seller’s view and your books both stay honest. See escrow for marketplaces and balance management.