◢The Payment On Hold payment on hold Open the partner account
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The Payment On Hold / arithmetic
one payment, in money

One payment carried through to money

The whole desk applied to a single request of 412.60: registered, held for six days on a document gap, released in full, and then the same request run a second way as a refusal that ends in retention.

Desk spec
request
412.60
held
6 days
items asked
1
released
412.60
if retained
48.20
share kept
11.7%
the stateWhat the request is doing. Of 1,800 sampled requests, 1,421 were paid without ever stopping, 380 were held at least once, 260 of those were released and 120 were closed without payment.
the groundThe recorded reason a payment stopped. Across the 380 stops: a document gap 148, a source-of-funds query 96, a rail or name mismatch 61, an alleged term breach 49 and a dependency not settled 26.
the retentionThe one outcome that costs money permanently. Of 742,500.00 requested, 693,412.50 was paid, 41,147.30 returned to balances and 7,940.20 retained, at a mean 214.60 per reclaimed request.
Direct answer

A request of 412.60 is reserved at the moment it is made, held six days on a document gap needing one item, and then released in full: 412.60 arrives, six days later. Run the other way as a refusal that is reclaimed, 364.40 returns to the balance and 48.20 is kept, which is 11.7% of the request.

the released path day 0 request 412.60, reserved, available balance falls by 412.60 day 0 ground recorded: a document gap day 1 one item requested (a proof of address) day 3 item supplied day 6 released debit line 412.60, reservation lifts money arrives 412.60 total delay 6 days
the retained path, on the same 412.60 the 412.60 is made of: real money 350.40 bonus-derived 48.20 stakes in an open bet 14.00 check 350.40 + 48.20 + 14.00 = 412.60 ground recorded: an alleged term breach returned to the balance 350.40 + 14.00 = 364.40 retained 48.20 = 11.7% of 412.60 appealed on day 5, reversed on day 8 paid 412.60 in full, delay 8 days
why 11.7% and not more 48.20 / 412.60 = 0.11683 = 11.7% the retained part is the bonus, and the bonus is the smaller of the three layers across the sample the same shape holds: 7,940.20 retained against 742,500.00 requested = 1.1%
412.60the request
6 dheld on a document gap
1item asked for
48.20kept if reclaimed
11.7%of the request kept
3.1 dmean reversal once appealed

The three layers of one request

the 412.60 request, by layer
layeramountsharewhat happens to it
real money350.4084.9%returned or paid
bonus-derived48.2011.7%kept if the conditions were not met
stakes in an open bet14.003.4%returned when the bet settles or voids
the request412.60100.0%paid, returned or partly kept
Running your own request through the same steps
  • Write down the request amount, because that is the number every other figure is measured against.
  • Split it into real money, bonus-derived and unsettled stakes, because only two of the three behave like money.
  • Note the ground and the items asked, because together they set the clock.
  • Compare the kept amount to the request, since a reclamation should not exceed it.
  • If it closes, diarise the appeal window, because 22 of 76 appeals in the sample reversed.
Every figurethe same arithmetic at the scale of the whole sampleWhat is keptthe 37 cases behind the 48.20 shapeThe groundsthe ground that produces a reclamationThe appealwhat reversed 22 requests