--- title: Reserve Accounts in Merchant Processing Relationships description: "Nearly every merchant runs credit cards for its customers. To run credit cards merchants have a \"merchant account\" that generally runs through a merchant processing company." --- [Dan's Desk](https://www.gallatin-law.com/blog/author/dan-gallatin) - [lawyer](https://www.gallatin-law.com/blog/tag/lawyer) - [hugo](https://www.gallatin-law.com/blog/tag/hugo) - [MN](https://www.gallatin-law.com/blog/tag/mn) - [law](https://www.gallatin-law.com/blog/tag/law) - [attorney](https://www.gallatin-law.com/blog/tag/attorney) - [legal](https://www.gallatin-law.com/blog/tag/legal) [Subscribe](https://www.gallatin-law.com/blog/reserve-accounts-in-merchant-processing-relationships#) 02/15/2018 # Reserve Accounts in Merchant Processing Relationships - - - - - [mailto:?subject=Reserve%20Accounts%20in%20Merchant%20Processing%20Relationships&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Freserve-accounts-in-merchant-processing-relationships](mailto:?subject=Reserve%20Accounts%20in%20Merchant%20Processing%20Relationships&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Freserve-accounts-in-merchant-processing-relationships) Nearly every merchant runs credit cards for its customers. To run credit cards merchants have a "merchant account" that generally runs through a merchant processing company. That merchant processing company is essentially a broker between the merchant and a bank. As part of that relationship, the merchant account processor defends itself against chargebacks. The defense is usually in the form of a reserve account. Enough of the mechanics and to the point: Do you, the merchant, know how much money your merchant processing company has of yours in the reserve account? I suspect not as most processors do not disclose the reserve amounts. Merchants beware and get the details on your reserve account. Know the amount in reserves, know release dates, know how the amount put into reserves was calculated. If you find anomalies or don't get answers, I am here to help. It's your money, you have a right to know. The material contained herein is provided for informational purposes only and is not legal advice, nor is it a substitute for obtaining legal advice from an attorney. Each situation is unique, and you should not act or rely on any information contained herein without seeking the advice of an experienced attorney. All information contained in links are the property of the linked site. - [credit cards](https://www.gallatin-law.com/blog/tag/credit-cards), - [business](https://www.gallatin-law.com/blog/tag/business), - [charges](https://www.gallatin-law.com/blog/tag/charges), - [finance](https://www.gallatin-law.com/blog/tag/finance), - [reserve](https://www.gallatin-law.com/blog/tag/reserve), - [merchant](https://www.gallatin-law.com/blog/tag/merchant) ![Dan Gallatin](https://www.gallatin-law.com/hubfs/assets-mjfw/site%20images/Dans-Desk.jpg) ## [Dan Gallatin](https://www.gallatin-law.com/blog/author/dan-gallatin) Dan is a lifelong resident of Minnesota. Born in St. Paul, Dan spent many of his formative years growing up there before moving to White Bear Lake. After graduating from White Bear Lake, Dan spent four glorious years at the University of Wisconsin-Madison, earning a degree in two majors. Dan worked as a Senior Investigator at the Minnesota Department of Commerce for several years after graduating from college. During his final years Dan attended William Mitchell College of Law while still working full-time. During this exhausting 3 ½ year period Dan honed his skills in becoming an efficient, to-the-point legal practitioner. While at Madison Dan met his wife, Tonya, and together they moved to Minnesota to plant their roots. Dan and Tonya have two amazing, unique children and reside in Hugo. ### CONNECT WITH ME - ## Related Posts [11/06/2019 Developments in Real Estate There is a 2-year cycle in a lawyer's licensing term during which 45 continuing education credits must be taken. One of my favorite and most… Read Post ](https://www.gallatin-law.com/blog/developments-in-real-estate) [02/17/2016 Department of Commerce Investigations: The Tennessen Warning The Minnesota Department of Commerce is the regulator for many, many business sectors in Minnesota. Those sectors include real estate agents,… Read Post ](https://www.gallatin-law.com/blog/department-of-commerce-investigations-the-tennessen-warning) ### Subscribe Here! ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Dan Gallatin", "url" : "https://www.gallatin-law.com/blog/author/dan-gallatin" }, "dateModified" : "2020-08-21T22:09:41.645Z", "datePublished" : "2018-02-15T06:00:00.000Z", "headline" : "Reserve Accounts in Merchant Processing Relationships", "mainEntityOfPage" : { "@id" : "https://www.gallatin-law.com/blog/reserve-accounts-in-merchant-processing-relationships", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.gallatin-law.com/hubfs/logos/Gallatin-Logo-654x84.png" }, "name" : "Gallatin Law, PLLC" } } ```