Square · 12 points · read 2026-10-16
Square funds on hold or reserved: what Square says
Square states no fixed length for an investigation or an account hold. It does state that a reserve has a duration shown in your Reserve Dashboard and that accounts with reserves are reviewed after at least six months.
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When did the clock start? Calendar days, unless the platform counts business days
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Facts below were read on 2026-10-16 (not logged in) from the pages named under each point. A point marked NOT CONFIRMED could not be read that day. The platform's own current page always prevails.
Reserves
OFFICIAL Square uses a rolling reserve: for card payments subject to a reserve, a percentage is set aside and released on a rolling basis.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL The reserved funds still belong to you and are only used if you cannot cover a chargeback. If no chargebacks occur you receive the full amount.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL Square names these factors for a reserve: prepayment for goods or services, chargeback rates in your industry and on your account, sporadic processing activity, and being new to Square.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL Square notifies you by email and in your Dashboard before a reserve goes into effect.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL The Reserve Dashboard in the Balance section shows your current, future and past reserve terms, including the date of each upcoming release.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL Reserves apply to card payments, not to ACH bank transfers.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL Accounts with reserves are reviewed after a minimum of six months. The review is done proactively and does not need to be requested.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL Square may release some or all reserve funds before the full duration has passed, for example when the reserve is removed.
Source: Square Support: Manage payment reserves with Square - squareup.com/help/us/en/article/6832-reserves-faq (read 2026-10-16)OFFICIAL Square may raise, reduce or remove a reserve at any time, based on your payment history and other factors.
Source: Square Payment Terms (sections 12 and 14) - squareup.com/us/en/legal/general/payment (read 2026-10-16)Investigations and disputes
OFFICIAL You may not have access to your funds if your Square account is being investigated, you are involved in a dispute, Square suspects fraudulent, unlawful or improper activity, or for legal reasons.
Source: Square Payment Terms (sections 12 and 14) - squareup.com/us/en/legal/general/payment (read 2026-10-16)OFFICIAL Square may defer payout or restrict access to proceeds, temporarily or indefinitely, while it conducts an investigation or resolves a dispute.
Source: Square Payment Terms (sections 12 and 14) - squareup.com/us/en/legal/general/payment (read 2026-10-16)OFFICIAL If you have pending chargebacks, Square may delay payouts to you.
Source: Square Payment Terms (sections 12 and 14) - squareup.com/us/en/legal/general/payment (read 2026-10-16)Dates the Reader can count
- Reserve on your account: earliest review after six months
- Investigation or dispute holding your funds: Square names no fixed term