Braintree Holding My Funds (Risk Hold or Reserve)

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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. 1. Ask for the exact reason

    1. Contact support and request the hold type, amount and expected release date
    2. Keep replies in writing
    Did this fix it?
  2. 2. Lower your risk signals

    1. Respond to disputes with evidence
    2. Block carding with fraud tools and CAPTCHA
    Did this fix it?
  3. 3. Plan cash flow

    1. Reserves release after the set number of calendar days
    2. 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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