"Wrap shop payment reserves: model the cash missing from the payout"
"Source","https://bluefinchadvisors.com/blog/wrap-shop-processor-reserve-cash-gap"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Gross receipts expected in the window","60000","currency"
"Card receipts subject to reserve","54000","currency"
"Written reserve percentage","10","percent"
"Other funds delayed beyond the window","3600","currency"
"Cash spending due in the window","53000","currency"

"Results","Value","Unit"
"Reserve withheld","5400","currency"
"Receipts after holds and delays","51000","currency"
"Cash after included spending","-2000","currency"

"Calculation detail","Value","Unit"
"Separate delayed receipts","3600","currency"
"Total unavailable receipts","9000","currency"

"Assumptions"
"Starting values are examples, not market benchmarks or payment quotes."
"Use one currency and a consistent before-tax basis. Work out taxes and program-specific adjustments separately."

"Result notes"
"Reserve-bearing card receipts must be a subset of the entered gross receipts; review inputs if they exceed the total."
"Include processing fees and other payout deductions in cash spending, not in reserve withholding or delayed receipts. Count each outflow once."
"Exclude anticipated reserve releases unless confirmed in the modeled receipts. This is not a rolling-reserve forecast or lending recommendation."

"Sources"
"Stripe: separate authorization and capture","https://docs.stripe.com/payments/place-a-hold-on-a-payment-method"
"Stripe: how rolling reserves withhold and release funds","https://stripe.com/resources/more/rolling-reserves-101-what-they-are-why-they-matter"
"Stripe: payout reconciliation reports","https://docs.stripe.com/reports/payout-reconciliation"
"Mastercard: merchant surcharge rules and debit exclusions","https://www.mastercard.us/en-us/business/overview/support/merchant-surcharge-rules.html"
"Visa: merchant fees, rules, and surcharge disclosure","https://usa.visa.com/support/small-business/regulations-fees.html"