—Unreleased reserves

Your reserve's release date has passed. The clause is enforceable.

We recover merchant claims against PSPs, EMIs, payment institutions, banks and acquirers across the EEA and UK — at no upfront cost to you.

A 5-minute preliminary view.

Tell us what happened. We respond within five (5) business days.

AWhat happened

Select the situation that best describes the file. JvHAM will classify the legal head of claim during review.

What happened
Please select what happened.
BThe merchant and contact
A legal entity name is required.
Required.
A valid email is required.
CThe counterparty and file
The counterparty (PSP/EMI/PI/bank/acquirer) name is required.
By submitting this form you confirm that you are authorised to share the information provided and that JvHAM may process it for the purpose of conducting an initial fit assessment. See our privacy notice.
We respond within five (5) business days.
No upfront cost

We carry the work. Our fee is a share of the Recovered Amount.

You keep 25–75%

The recovery split is calibrated to the complexity of the file.

Initial view in 5 business days

A fit check, not a sales call.

Sound familiar.

  • The 90- or 180-day window expired. The reserve did not move.
  • The release is pending an open-ended "risk review" no one can describe.
  • The reserve was renamed at offboarding — "security amount", "holdback".
  • Fines and deductions are consuming it, without underlying documentation.
  • The counterparty stopped engaging, or only sends generic responses.

A reserve clause delays payment of money that remains yours. It does not convert your money into theirs. See the full set of scenarios we work.

Three steps. No commitment until the third.

  1. 1. Enquiry. You submit the fit check above. Five minutes, eight fields.
  2. 2. Fit review. We assess the file against the release clause, the dates and the documentary record. You receive an initial view within five business days.
  3. 3. Engagement. If the file fits, we agree terms under a Claim Assignment and Recovery Agreement. From that point the counterparty deals with us.

How we work a file — legal counsel and financial controller under one operative roof — is set out in our approach.

Questions we hear first.

The contract says release after 180 days "or such longer period as they determine". Doesn't that let them hold it forever?
Usually not. Discretion expressed that way tends to be qualified — the institution has to be able to say what the continued retention is for. Open-ended silence is rarely that.
They say the account is under "ongoing risk review". Is that a valid reason?
A review invoked to justify retention has to be a review of something. Months of generic responses with no scope, timeline or conclusion strengthen your file rather than theirs.
Part of the reserve was released. Does accepting it weaken the claim for the rest?
Receiving a partial release does not, by itself, waive the balance. Be careful with anything you are asked to sign around it — that is where waivers live.
How old can the claim be?
Time limits apply and vary by jurisdiction, so it pays to assess early. Submit the fit check and we will give you a straight answer.
Which countries do you cover?
Counterparties regulated anywhere in the EEA and the UK. The merchant can be based elsewhere.

More detail in the FAQ.

Run the dates. Then let us look at the clause.

Submit fit check ↑ [email protected]

This page is for information purposes only and does not constitute legal advice.