A rolling reserve is a set amount of the business’s money that is put aside by the acquiring bank as a security deposit. It’s a small percentage of a merchant’s gross sales in a non-interest-bearing account that is reserved for an agreed amount of time then released to the merchant. The reserve is put in place to protect the acquirer from potential loss due to chargeback’s, the higher the risk of the line of business then potentially the rolling reserve amount and length of time to be released is higher and longer.