Your payment provider (Stripe, Flutterwave, etc.) takes a 10% reserve on top of their normal fees. The reserve is YOUR money, they're just holding it as collateral against chargebacks. After 90 days with no disputes, they release it. The wrong way to book this: ignore it, see your bank balance be mysteriously smaller than expected. The right way: track the held reserve as a SEPARATE asset account. Your bank balance is what's settled; your reserve balance is what's held. Sum to know your real entitled cash. This pattern shows up at every fintech that takes card payments.