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Reserve Accounts provide flexible account management for various use cases, including overdraft protection and pay advancement. Use the /reserve endpoint to configure Reserve Account settings and define relationships with other accounts. After creating a Reserve Account, all reserve-related transactions will appear in that account’s transaction history.

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Reserve Flow of Funds

When you set a reserve limit for a target account, the system automatically pulls funds from the Reserve Account to cover any transaction that would otherwise make the target account balance negative.

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How it works

  • Transaction attempts to overdraw the target account
  • System checks if the transaction amount is within the reserve limit
  • If yes, and the Reserve Account has sufficient funds, money transfers automatically to cover the transaction
  • If the limit is exceeded or the Reserve Account lacks sufficient funds, the transaction is blocked and no funds move

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Important limitations

  • To clear an overdrawn amount on the target account, call the /reserve endpoint to manually reset the amount field to zero
  • The system does not automatically replenish the Reserve Account
  • The system does not automatically recover funds from the target account
  • You must manually reconcile funds using ACH transfers, book transfers, or other methods