How much is held in reserve?

Your campaign's reserve is shown right in your portal, and the terms are always communicated to you directly.

Where to see it

1. Open your campaign and go to the Payouts & Transactions tab.
2. The balance dashboard leads with Available to pay out and a money-flow bar showing Fees, Reserve, Paid out, and Available, with tiles for Net raised, Reserve held, and Still to pay out.
3. The Reserve held tile shows the amount currently reserved, with your terms underneath — for example, "10% · released after 90 days."

If your reserve terms are ever set or changed, you also receive an email spelling them out plainly.

How the reserve works

• A percentage of your payable net (commonly 10%) — what's left of your online donations after the processing fees and the Pledgix platform fee on each donation — is held back temporarily. Your terms include a hold window (commonly 90 days), and the team releases reserved funds in line with those terms.
• It's not a fee. Reserved funds remain your money and are disbursed when the team releases them under your reserve terms.
• It exists because donations can be refunded or disputed by cardholders for a while after they're made — the reserve protects your campaign from ending up negative if that happens. This is standard practice across the payments industry.
• Every payout records the reserve held against it, so the math is traceable payout by payout.

Tip: When forecasting cash flow, treat the reserve as delayed income, not a cost — it arrives, just later.

Your exact percentage and hold days are specific to your campaign; if you're unsure what applies, ask the compliance team in the campaign chat (the chat icon in your campaign header). Full background: Why some of your funds may be held.