They affect a cash date only where the proposal writes an amount or a percentage, the balance it applies to, and a release condition. You can place those written terms next to sales records you already have, or next to a forecast you label as a forecast. You cannot fill in a release date the proposal does not state. A reserve is not a fee, and it is not the payout schedule. Prism does not hold the funds and does not promise that the proposed terms will be offered. Describe the work you need. Prism will confirm scope, responsibilities, fees, and terms before work begins.
For: An owner or authorized representative of a business that sells peptides for laboratory research use only and has reserve language in a written processing proposal.
Updated 2026-09-21
A hold is not a fee and not a payout date
A reserve, in the ordinary sense of money the provider keeps back, changes when you can use funds. It is not, by that description, an expense. Do not add it to a fee total unless the document calls that amount a fee. Do not use this page to judge whether a fee invoice matches the agreement. That is a different comparison.
This page also does not calculate how often a payout is sent. Payout cadence is the schedule on which available funds leave. A reserve is about funds that are not available to leave. If the proposal mixes the two, copy each sentence under the label the proposal uses, and ask the provider which sentence controls the date you care about.
What Stripe publishes, and what a proposal still has to say
Stripe's balances documentation says Stripe might create a reserve balance so the account can cover expected refunds or disputes. That balance holds funds that cannot be paid out or transferred until the reserve hold period is complete. The page does not publish one hold length, one percentage, or a calendar of release dates.
Stripe's help article for businesses using Stripe through a platform says reserved funds are used to prevent negative balances from disputes and refunds, and that most reserves Stripe places are temporary. "Most" and "temporary" are not a date. They do not tell you when a particular reserve ends, and they do not apply to a reserve described by a different provider.
The same balances page says you can set a minimum balance so automatic payouts leave funds available for refunds, disputes, and fees. That is a control you set. It is not the same thing as a reserve Stripe creates, and it is not evidence that a proposal's reserve works the same way. If your proposal uses the word reserve, use the proposal's definition. If it does not define the word, the cash effect is unknown.
Use your figures without turning a forecast into history
You can apply a written percentage only to the base the proposal names. If it says a percentage of settled card sales, do not apply it to every deposit. If it names no base, do not choose one. A sales figure from your order records is history. A figure you expect later is a forecast, and the calendar should say so. This page is not a valuation and not advice about whether the terms are affordable. It is a way to see which dates the words already fix.
Operating payments you already owe, such as a supplier invoice with a due date, can sit on the same calendar. The reserve terms do not move those due dates. The calendar shows whether the proposal, if it became the account's terms, would leave the written hold in place on a date you already have to pay. It does not say you will have the cash.
What you can decide
You can decide that the proposal is complete enough to place on a calendar, or that it is not. It is not complete enough when the amount or percentage, the base, or the release condition is missing. You can decide which of your own records are history and which are forecasts. You can send the missing item back as a question before you accept the offer.
The provider decides whether it will impose a reserve, the amount, and when any hold ends. Nothing on Stripe's public pages, and nothing in a conversation with Prism, sets those terms for your account. Prism's solutions page says the provider decides account terms, including through underwriting. Scope and any fee for a consultation are discussed before work, and a consultation is not an approval of the proposal.
Reserve cash-calendar inputs
Copy terms from the proposal in front of you. Leave a row blank when the proposal does not state that input. Do not invent a release date, and do not write a forecast in the same words you use for a completed sale. Worksheet entries are not submitted by this worksheet or saved by this site. Use only non-sensitive summaries; do not enter credentials, government identifiers, card or bank-account numbers, private receipt links, or customer details.
Worksheet entries are not submitted by Prism’s worksheet and are not saved by the site. Use record types, availability, anonymized observations, or match/mismatch results. Do not enter government identifiers, customer names or addresses, customer messages, receipt-access links, card or bank details, passwords, or keys. Send sensitive documents only through the provider’s verified secure channel.
Reserve cash-calendar inputs. The last column is for temporary notes.
Input
Use it only when the proposal states it
Leave it blank when
Your notes
Amount or percentage
Use it only when the proposal states itTranscribe the figure the proposal uses, including whether it is a fixed amount or a percentage. Stripe's public reserve description does not supply this figure.
Leave it blank whenThe proposal says "reserve" but states no amount and no percentage. Do not borrow a figure from another offer.
Base the figure applies to
Use it only when the proposal states itName the balance or sales definition the sentence uses. Apply your records only to that base.
Leave it blank whenThe sentence does not say what the percentage is of. Choosing settled sales, or all deposits, would be your assumption.
Release condition
Use it only when the proposal states itCopy the condition that has to be true before the hold ends, in the proposal's words. Stripe says a Stripe reserve lasts until its hold period is complete, and its balances page does not publish that period.
Leave it blank whenThe proposal says the reserve is temporary, or says nothing. Temporary is not a date. Stripe's statement that most of its reserves are temporary is also not your date.
Dates you already have to pay
Use it only when the proposal states itList supplier or operating due dates from invoices you have. The reserve does not move those dates. It only tells you whether the proposal would still be holding funds on that date.
Leave it blank whenYou do not yet know the due date. A hoped-for date is not an invoice.
History versus forecast
Use it only when the proposal states itMark order history as history. Mark any future volume as a forecast you made. Do not add them into one unlabeled number.
Leave it blank whenYou have no sales records and no forecast. The calendar cannot show a cash effect from an empty base.
Question the proposal leaves open
Use it only when the proposal states itAsk the provider to state the missing amount, base, or release condition in writing before you treat the proposal as comparable to another offer.
Leave it blank whenYou are about to assume the answer in order to make the calendar look finished. Leave the cell blank instead.
These are temporary notes. Leaving or reloading this page may clear them. The consultation form does not include these entries.
Limits
A Prism consultation can help you organize the facts and discuss the website or processing question. The payment provider decides eligibility, pricing, reserves, and whether an account is opened or closed.
This page is not financial, tax, or legal advice, and it does not say whether you should accept the proposal.
Stripe's reserve description and its statement that most Stripe reserves are temporary do not set the amount, the base, or the release date in your proposal.
The provider determines reserve terms and release decisions; a worksheet or consultation does not change them.
Stripe balances and settlement time — checked 2026-09-21. Stripe may create a reserve balance that cannot be paid out until the reserve hold period is complete. The page does not state a universal hold length. A merchant-set minimum balance is described separately.
Stripe help: getting started through a platform — checked 2026-09-21. Stripe says reserved funds are used to prevent negative balances from disputes and refunds, and that most reserves it places are temporary. It does not give a release date.
Prism solutions — checked 2026-09-21. The provider decides account terms through underwriting. Scope, fees, and terms of any Prism work are discussed before that work begins.
Prism contact — checked 2026-09-21. A consultation request does not purchase a service or submit a processing application. Fees are discussed before work begins.
Request a consultation
Describe the business and this specific question. Prism follows up by email to discuss fit and scope. An inquiry is not a processing application or an approval.