Holdback works out from your payout statements how much each processor is holding, the day every slice of the rolling reserve should come back, and what is still held after an account closes — and will not close a month while a late release has not been chased.
Opens in this browser with an invented merchant already in it. No account, no email address, nothing installed.
Open the free demo →
The problem
High-risk processors keep back a rolling reserve from every payout and send each slice back months later; when an account closes, everything left is held for months more. The rate and the days are in your agreement. Over a year that is dozens of releases on dozens of dates — and a late one is only noticed if somebody counts.
A processor serving mainly adult businesses requires a rolling reserve, set during underwriting and written into the merchant agreement.
Merchant Maverick on CCBill →All funds due to the merchant are held for at least six months after cancellation.
Merchant Maverick on CCBill →On a suspension for suspected fraud or prohibited conduct, funds may be held six months to a year.
Merchant Maverick on CCBill →Not a reminder. Close the month refuses, with each slice named, while anything due back by the month’s end has not come back and has not been chased — or any payout held back more or less than the agreed rate with no note. A closed month is frozen. There is no override.
How it works
Each processor’s reserve rate, how long each slice is held, and how long everything is held after closing.
What was due, what was held, what came back. Releases are matched to the oldest slice first, and every slice gets its day.
Late slices are listed with what is still held. Write down who you chased and when; the month closes when nothing late is ignored.
What it will never do
Holdback reads totals you type from your own statements.
Pricing
However much is held.
One merchant account holder.
Several processors.
Several merchant entities under one owner.
Flat fee, billed monthly. Never a share of anything held. Your bank statement says Holdback Software. Your licence key is emailed to you within two working days of payment.
Checkout is our own bitcoin server, not a card processor — nobody we had to apply to and nobody who can close the account. The button takes you straight to it. Give your email address there — that is where your key is sent.
Questions
From the payout date and the number of days your agreement says each slice is held. If the account has closed, from the closing date plus the post-closure hold.
Releases are matched oldest slice first, so a lump sum settles the earliest slices and the remainder carries on.
A note of who you asked, when, and their reference, dated on or after the day the slice was due.
No. It is a schedule that argues with you.
The demo on this page is the whole program, running on invented records. Paying gets you a licence key — one line of text, emailed to the address you give at checkout within two working days. Paste it into the program and from then on it keeps your own records. Until then, nothing you type into it is kept.
The key is checked inside the page, on your own machine. It never calls us, so there is still no account and nothing about your business goes anywhere. If you ever stop paying, your records stay exactly where they are, read-only, and Export still hands you every one of them.
Over $50,000 is held between two processors. Two September slices never came back and nobody has chased them, one payout was held at 12% instead of 10%, and the processor you left in June still has your closing balance until December.