What is the holdback percentage from card sales, and can it be adjusted seasonally?

The holdbackis the percentage taken from your card batches (for split-funding).

Typical ranges:

• Roughly **8–20%**of eligible card sales, depending on your margins and volatility

Yes, many providers will adjust the holdback during the term if:

• Your sales increase or decrease significantly
• You can demonstrate strong seasonality (e.g., ski shop, landscaper, tourism-heavy business)

Adjustments are usually done after a quick review of updated bank/processor statements.