Cards and banks for digital operations: what to require from a payment processor before relying on it

Caio Moreira · 2026-10-07

Reserves

A good payment processor should let you set up reserves. This means that when a payment comes in, part of the amount is held back to cover potential chargebacks or fraud. Ideally, that reserve should be 10% to 20% of total sales. Ask your processor what percentage they hold and for how long. This is crucial for avoiding financial surprises and making sure you have enough liquidity to keep operating.

Chargebacks

It’s essential to understand how the processor handles chargebacks. Ask about the chargeback rate they accept and how the dispute process works. A rate above 1% could be a red flag. Also, check what support they offer for resolving disputes. Processors with a dedicated team to help manage chargebacks can make a difference to your business’s financial health.

Withdrawals

How easy it is to withdraw funds is another critical point. Ask how long it takes for funds to become available in your account after a sale. Ideally, it should take no more than 3 business days. Also, check withdrawal fees and whether there are daily or monthly limits. Processors that offer unlimited, fee-free withdrawals are preferable, since that gives you more flexibility with cash flow.

Countries

When choosing a payment processor, check which countries they operate in. If you plan to sell internationally, it’s crucial that the processor supports multiple currencies and operates in your target countries. Also, find out about the fees and specific rules in each country. Processors that offer automatic currency conversion can be a good option, but keep an eye on the exchange rates they apply.

Plan b

Always have a plan B. Relying too heavily on a single processor can be risky. If you run into technical issues or account blocks, it can seriously affect your operations. Consider having at least two different payment processors and setting up a workflow that lets you switch between them quickly if needed. This not only minimizes risk, but can also give you more negotiating power on fees and services.

By considering these points, you’ll be better prepared to choose a payment processor that meets the needs of your digital business and minimizes operational risks.

What percentage do you hold as a reserve in your operations?