Your payout schedule, transfer speed, and any rolling reserve are confirmed during underwriting. The terms in your approved merchant agreement take priority over this public summary.
Standard retail payouts
The current standard public terms for most low-risk retail businesses are:
| Term | Standard public terms |
|---|---|
| Payout frequency | Daily or weekly |
| Transfer speed | T+1 or T+2 — normally one to two days after the sale |
| Rolling reserve | 0% for most standard retail businesses |
Specialized and high-risk payouts
The current standard public terms for specialized or high-risk businesses are:
| Term | Standard public terms |
|---|---|
| Payout frequency | Weekly or monthly |
| Transfer speed | T+3 to T+7, depending on industry and volume |
| Rolling reserve | 5%–10%, held for up to 180 days |
A rolling reserve holds an agreed percentage of processed funds temporarily to cover chargeback and industry-specific risk. Your approved reserve percentage and release period are set during underwriting.
Settlement fee
The current EUR settlement fee is €0.25 per payout. Your agreement shows the fees and currency that apply to your account.
Check your exact terms
Your individual terms may differ based on business type, processing history, expected volume, payment methods, and underwriting. Check your approved merchant agreement for the schedule that applies to your account.
See the current low-risk pricing and high-risk pricing pages for the public terms.
If you are unsure which schedule applies, contact Cost+ Support before relying on an expected payout date.