This Risk, Holds & Reserve Policy (“Risk Policy”) describes when and how Veyra may place transactions on hold, hold reserves, delay payouts, or restrict access to the platform. It supplements the Merchant Services Agreement and the Payment Processing Terms. By processing payments on Veyra, you agree that Veyra may take any of the actions described below at any time and in our sole reasonable discretion.
1. Continuous risk monitoring
Veyra operates continuous, automated risk monitoring across every merchant on the platform. Monitoring includes — but is not limited to — analysis of authorization ratios, decline reasons, dispute rates, refund rates, chargeback reasons, velocity, ticket size, geographic distribution, customer complaints, BIN-level signals, device and network fingerprints, cross-merchant abuse signals, payment-method anomalies, domain-content scans, sales-channel changes, statement-descriptor consistency, beneficial ownership changes, sanctions screening, and operator referrals.
2. Manual reviews
Any merchant, transaction, or beneficial owner may be selected for manual review at any time. Reviews may be triggered by automated signals, by an operator, by an acquiring partner, by a card network, by a sponsor bank, by a regulator, or by a customer complaint. Reviews may result in additional document requests, settlement delays, reserve adjustments, restrictions on processing, or termination. You agree to cooperate with reasonable review requests within commercially reasonable timeframes.
3. Transaction holds
Veyra may hold or delay capture or settlement of any individual transaction pending review or risk decisioning. Held transactions may be voided, refunded, or released depending on the outcome of review.
4. Merchant-level holds
Veyra may place a merchant-level hold suspending some or all processing, settlement, or payouts for the affected merchant. Triggers may include — but are not limited to:
- elevated chargeback or refund rates;
- sudden changes in transaction volume, ticket size, or geography;
- regulatory inquiry or subpoena;
- sanctions, OFAC, or adverse-media hit;
- customer complaints suggesting deceptive practice;
- mismatched or unverified business information or beneficial ownership;
- card-network or acquirer direction;
- identification of prohibited goods or services or AUP violations;
- suspected card testing, account testing, or other abuse;
- suspected money-laundering, structuring, or terrorist-financing activity;
- fraud, identity-theft, or stolen-instrument indicators;
- domain takedown, expiration, or unauthorized change;
- unauthorized embed deployment or HMAC signing key compromise; and
- any other circumstance creating risk to Veyra, our partners, or consumers.
5. Reserves and rolling reserves
We may establish, increase, or release reserves at any time. Reserves may be implemented as a fixed amount, a percentage of processing volume, a rolling reserve over a defined window, or any combination. Reserves are intended to cover anticipated chargebacks, refunds, fees, fines, and other amounts that may become due to Veyra, our acquiring partners, or our processors. Reserves do not accrue interest in your favor unless required by applicable law.
Reserves are typically released at the end of the rolling window or when Veyradetermines, in our sole reasonable discretion, that the risk justifying the reserve has meaningfully reduced. Reserves may be retained beyond termination for up to one hundred eighty (180) days, or longer if required by card-network rules, applicable law, or pending disputes.
6. Delayed and modified payouts
Settlement and payout schedules are not guaranteed. Veyra may delay or modify payouts, including by lengthening the settlement window, switching the payout currency, switching the recipient account, or splitting payouts between settlement and reserve. We are not responsible for delays caused by your bank, the originating depository institution, the network, or sanctions screening.
7. Information and document requests
We may request — and you agree to provide — documents and information including:
- processor statements, prior-merchant statements, or volume reports;
- bank statements for the operating or settlement account;
- customer-service recordings, transcripts, or ticket logs;
- refund and dispute records;
- vendor and fulfillment agreements;
- shipping or delivery records;
- identity verification of beneficial owners and control persons;
- website screenshots, marketing artifacts, and ad copy;
- license, registration, or permit documentation; and
- other information reasonably required to assess risk or compliance.
8. Offset, recovery, and deficiency
You authorize Veyra (and our acquiring partners and processors) to debit, offset, net, or recover from your settlement, reserve, or bank account any amount owed under the Merchant Services Agreement. To the extent any offset is insufficient, you remain liable for the deficiency and will pay it on demand together with any reasonable collection costs.
9. Suspension and termination for risk
Veyra may at any time suspend, throttle, or terminate processing for risk, compliance, or operational reasons. Suspension and termination decisions are not appealable to a court for de novo review of the underlying risk analysis; Veyra retains sole discretion over risk decisioning. We will, however, consider operator-submitted clarification information where time and circumstances permit, and where doing so does not increase risk to Veyra, our partners, or consumers.
10. Cooperation and confidentiality of risk methods
You will cooperate with reasonable risk requests and will keep confidential any specific risk thresholds, model weights, or detection mechanisms shared with you under this Agreement. Information about Veyra's risk decisioning is not a representation about a particular outcome and may change at any time.
11. No legal advice and no guarantee
Nothing in this Risk Policy is legal, financial, or regulatory advice, and nothing in this Risk Policy entitles you to a specific risk decision. Veyra reserves all rights with respect to risk decisioning consistent with the Merchant Services Agreement and the Terms of Service.
12. Contact
Questions about this Risk Policy or about a specific hold or reserve action on your account:
VeyraGate LLC
compliance@veyragate.com
Version 2026.05.13. Operator-authored draft pending external legal review.