Braintree Holding My Funds (Risk Hold or Reserve)
Ongoing Web, iOS, Android, Server SDKs Updated November 13, 2026Based on 3 user reportsHow we research
Quick answer
Braintree can hold money via a risk hold or rolling reserve. Ask support for the reason, the reserve percentage and the release dates in writing.
Most likely fix: Ask for the exact reason
How to fix it
Try these in order — the most common fix is first.
1. Ask for the exact reason
- Contact support and request the hold type, amount and expected release date
- Keep replies in writing
Did this fix it?2. Lower your risk signals
- Respond to disputes with evidence
- Block carding with fraud tools and CAPTCHA
Did this fix it?3. Plan cash flow
- Reserves release after the set number of calendar days
- Open a backup processor such as Stripe
Did this fix it?
Symptoms
Part of your balance is withheld and does not reach your bank.
Why it happens
- Chargeback spike or carding attack
- Rolling reserve set at underwriting
- Money owed netted from disbursements
This guide also covers
- braintree holding funds
- braintree rolling reserve
- braintree risk hold
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