Reserves. Rolling holds. Forgotten settlements from processors you no longer use. Many merchants have thousands of dollars sitting in accounts they don’t know exist — and processors are in no hurry to release them. We audit, document, and recover. You only pay if we find something.
Processors aren’t in the business of reminding you what you’re owed. These are the four most common places we find merchant money sitting — and we audit each one systematically.
You send statements once. We run the rest — from the audit through negotiation to the final deposit landing in your bank account.
Three months of processing statements plus any terminated account info. Our team audits within three business days — no cost, no commitment.
We document every reserve and hold, calculate what’s owed, and assemble the release package required by your processor or the state.
We handle all communication with processors on your behalf. Most releases close within 30–60 days. You stay focused on your business.
Funds deposit to your account, minus our contingency fee (agreed upfront). You pay nothing if we recover nothing.
Most reserve and holdback money is legitimately owed back to merchants — but the release paperwork, documentation, and negotiation require time and industry knowledge most business owners don’t have. Processors are legally obligated to return the funds, but they’re not incentivized to remind you.
A percentage of what we actually recover, paid after the money lands in your account. No retainer. No hourly billing. No upfront fees of any kind. If we recover nothing, you owe nothing.
Yes. Recovery is independent of whether you switch processing to us. Many merchants use splits recovery as the first engagement and keep their current processor — or switch later. Both paths are fine.
Processors get acquired constantly, but customer obligations transfer with them. We trace defunct processors to their acquirer, file the appropriate release paperwork, and in some cases pursue through the state’s unclaimed property division. These cases take longer but often find material balances.
You don’t know until we audit. Some cases are simple enough that you could DIY — and we’ll tell you honestly when that’s the case. Most cases have enough friction (specific documentation, knowing who to contact, persistent follow-up) that merchants who try it themselves give up before they see results. We do this full time.
No. Releasing a reserve is a normal business process — processors do it regularly as a merchant’s chargeback ratio stabilizes or time passes. It doesn’t damage the relationship. If anything, it demonstrates you’re paying attention to your accounts.
Send your last three months of processing statements and any info on terminated processor accounts. Within three business days you’ll have our audit report — exact dollar amounts, by account, with our recommendation on which ones are worth pursuing. Free either way.