Rolling Reserve Increase After Chargeback Spike Email Template

Use this page when a processor or platform suddenly increases the rolling reserve after a spike in chargebacks or disputes. This is not the same as a standard reserve-release request. The problem is that the payout logic changed because the processor reclassified the account as higher risk, and now more cash is being held back than before. Your email should ask what triggered the reserve increase, what percentage or amount is now being retained, how long the higher reserve will stay in place, and what performance or dispute metrics would allow the reserve level to be reduced again. The outcome you want is to turn a vague risk holdback into a documented reserve policy with a path back to normal payout treatment. It is commercially strong because the business is already collecting sales, but materially less cash is reaching the bank due to a processor-side reserve escalation.