There are 3 types of balance in the Paycos system:

Available balance is the funds that are available for withdrawal. If you have passed the verification, you have the opportunity at any time to apply for withdrawal of funds from the available balance.

The expected balance (Hold) is the funds that are waiting to be transferred to the available balance after the buyer pays for the item. The period for which funds are frozen depends on the type of account verification, project history, turnover, industry, risk level and other factors that are considered during project verification.

The reserve balance is a percentage (5-10%) of the received transactions, which is held for a period of 3-6 months. This is standard practice in the payment processing industry. At the end of the term, the funds will be transferred to the available balance.