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If your dispute rate gets too high, or if your account shows signs of being at risk of disputes, some of your Whop balance will be held in a reserve. Reserves protect your account and make sure that you always have enough money available to cover any disputes that might arise. A percentage of each transaction (determined by your dispute risk) will be held for 90 days, after which you can withdraw it as normal.

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A reserve will be placed on your account if:

  • Your dispute rate is too high
  • You have a high rate of unresolved Resolution Center cases
  • Transaction patterns show high risk of payments being disputed
Reserves are temporary and will be released as soon as your account’s dispute rates are healthy. You can check your dispute rate at any time on your Health report on the Balances page of your creator dashboard. If Whop detects fraudulent activity, an immediate, 100% reserve will be placed on your account until any signs of fraud are resolved.