Reserve-Aware Planning

We forecast reserves, set daily caps, and stage 7–14 day ramps so cash flow stays healthy—even when platforms hold funds. The result: stable payouts, fewer surprises, and disciplined scaling.

Request a consultation WhatsApp: +1 (807) 804-0208
Dual-KYC Program Evidence-Ready Ops Signed Agreement

What we plan & control

Reserves are not random. We read platform signals and pre-model cash so ramps don’t starve operations.

Reserve forecasting — simulate % holds by platform & risk level; plan net cash.
Daily caps & ramps — staged volume (7–14 days) aligned to dispute/refund posture.
Payout cadence — weekly tie-out; exception rules; clawback buffers.
Evidence levers — invoices, tracking & refunds reduce reserves over time.
Signal-based changes — step-ups only with low disputes & clean reviews.

Reserve planning — step by step

1) Profile & risk readPrior processing, dispute/refund history, AOV/sku mix.
2) Scenario modelSimulate reserve % (e.g., 10/20/30) and payout delays.
3) Cap & ramp designDaily caps + 7–14 day staging aligned to net cash needs.
4) Evidence planTracking ≤24h, ≥30d refunds, supplier docs—reduce flags.
5) Weekly tie-outLedger reconciliation; exceptions & clawbacks itemized.
6) Step-up logicIncrease caps only after clean cycles & low dispute rates.

Common scenarios (how we handle them)

New ramp on Stripe

Assume conservative reserves; run 5–10 test orders; cap days 1–7; step-up after clean cycle.

  • Evidence: invoices, tracking exports, refund ladder
  • Goal: first payout in 7–14 days
Shopify Payments hold

Pause step-ups; respond with evidence pack; maintain low caps until cleared.

  • Refunds processed quickly; clear comms
  • Re-run scenario model post-clearance
PayPal rolling reserve

Model 21–180 day % holds; increase cash buffer; automate dispute kit responses.

  • Weekly tie-out includes reserve movement
  • Adjust cap to net-positive cash flow

Settlement order of operations

1
Platform fees deducted or netted in weekly tie-out.
2
Reserves & holds set aside per signals and contract.
3
Refunds / adjustments cleared with evidence links.
4
Revenue-share disbursed per the operating agreement.
5
Clawbacks via rolling reserve or next-cycle offset.
Cash-positive ramps

Caps & staging aligned to modeled reserves, not guesswork.

Payout stability ~99%

Signal-based step-ups with evidence on file.

Fewer surprises

Weekly tie-out exposes fees, refunds, reserves, and clawbacks.

Reserve planning — FAQ

Do you sell or rent accounts?
No. We match and operate on warmed payment lanes under dual KYC and signed operating agreements—we don’t sell or rent accounts. If a match doesn’t pass platform review, it doesn’t launch.
How do you decide caps?
We model reserve/hold % by platform, compare to dispute/refund posture, and pick a daily cap that keeps net cash positive. Step-ups only after clean cycles.
Who receives the money?
Default: payouts land with IRent Agency custody; IRent allocates and disburses per the revenue-share agreement with weekly tie-out. Where policy requires otherwise, we switch to escrow/managed split, PSP-native split, or owner-bank settlement.
Need a reserve model for your ramp?
We’ll simulate holds, set caps, and map a payout cadence that stays net-positive.
Book a 10-min call WhatsApp us

Talk to a specialist

Same-day answers on caps, reserves, and payout timing.

Support / Sales / Partnership
support@irent.agency
Cooperation / Advertising
marketing@irent.agency
Opening hours
Mon–Fri, 09:00–17:00 (GMT+1)
Phone & WhatsApp
+1 (807) 804-0208
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