Reserve accounts can tie up significant amounts of your revenue. If Clover sprung this on you unexpectedly, or the requirements seem excessive, we hear you.
Check your merchant agreement for reserve clause terms. This determines your rights regarding reserve funds.
Ask for a breakdown of how your reserve amount was calculated and what triggers changes.
Get a specific timeline for when reserve funds will be released back to you.
If your processing history is clean, you may be able to negotiate lower reserve requirements.
| Feature | Clover | CapClover |
|---|---|---|
| Customer Support | ✗ Long hold times, unresponsive | ✓ Your assigned rep's direct line |
| Business Funding | ✗ Limited or no options | ✓ Up to $500,000 |
| Approval Time | ✗ Weeks or denied | ✓ Same-day decisions |
| Hidden Fees | ✗ Frequently reported | ✓ Transparent pricing |
| Contract Terms | ✗ Early termination fees | ✓ Flexible terms |
Get business funding up to $500,000 with your own dedicated rep - this is their direct line, not a call center.