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A reserve is a percentage of your funds held by the payment processor to manage risk and protect against chargebacks and other unexpected events.

Think of it as a safety net to make sure there’s money available if something goes wrong, like a dispute or fraud. A reserve helps keep your account stable and secure.

Coastal Pay is a High Risk Credit Card Processor that has 10+ years experience in payments. They are dedicated to the best possible customer experience along with technology that follows suit.

Yep, we perform what's called a "soft credit inquiry," which doesn't affect your credit score. It just allows us to examine your credit history while keeping your score safe and sound.

The funds will appear in your account within 2 business days. Once a transaction is processed, the money is available quickly, helping you to manage your cash flow and keep your business humming along smoothly.

Approval 3-5 business days once we have all the required documents. We know you want to start taking payments ASAP, so we aim to speed up approval time as much as we can. Our goal is to get you up and running as quickly as possible, so you can focus on growing your business and keeping your customers happy.