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What is expected balance(hold) and reserved balance?

When opening a PayDo account you receive balances in four payment currencies: EUR, USD, GBR and RUB. The system has four types of balances for each currency: availablereservepartnerexpected.

If you use PayDo as an online banking only, you can see only available and partner balances.

If you use a business account, after enabling a project( a website), you will be automatically added two more balance types – expected and reserve.

Reserve balance – it is a risk management strategy for merchant security, their clients and a bank, that provides payments, from potential losses: part of the funds from the transaction amount will be protected (withheld) to cover potential business risks associated with chargebacks. The amount of reserve is calculated based on the certain percent from the amount of each transaction, for example, from 5 to 10%. Current reserves are held for 3-6 months (the term depends on the type of merchant’s business) and will be released and transferred to the available balance at the end of this period.

The expected balance (hold) is the amount, frozen for a period of 5 to 14 days, during which we collect funds from all payment systems for transfer to your available balance. The period for which funds are held depends on the type of account, project history, turnover, industry, risk level and other factors that are considered during the project(site) verification.