Account tiers & trustScore
The six risk tiers, what each one sets for reserve / settlement / limits, and how the trustScore (0–1000) is computed.
Context and key considerations
Every merchant sits in one of six risk tiers, derived from a 0–1000 trustScore. The tier drives the rolling-reserve percentage, the settlement hold, the API rate limit, and per-transaction / daily volume caps. Read your current tier and trustScore on GET /me.
Tier comparison
These are the live values from the trust-score engine. Score bands are inclusive.
| Tier | Score | Settlement hold | Rolling reserve | Rate limit (/min) | Max daily | Max / tx |
|---|---|---|---|---|---|---|
| probation | 0–199 | 7 days | 15% | 30 | $5,000 | $500 |
| starter | 200–399 | 72 hours | 10% | 100 | $25,000 | $2,000 |
| standard | 400–599 | 48 hours | 5% | 1,000 | $100,000 | $5,000 |
| trusted | 600–799 | 24 hours | 3% | 2,500 | $500,000 | $15,000 |
| premium | 800–949 | 6 hours | 1% | 5,000 | $2,000,000 | $50,000 |
| elite | 950–1000 | Instant | 0% | 10,000 | Unlimited | Unlimited |
trustScore (0–1000)
The trustScore on GET /me is a 0–1000 integer the platform computes from a multi-window, weighted blend of your account's risk signals:
- Chargeback & dispute health — chargeback / denied-claim ratio across recent windows (the heaviest factor).
- Refund & claim health — refund and open-claim ratios.
- Fraud signals — flagged / blocked activity.
- Account maturity — account age + lifetime volume.
- Volume consistency — how steady your daily volume is (spikes lower the score).
- KYB completeness — required documents on file.
How your tier changes
Your tier follows your trustScore band (table above) — it is risk-driven, not a fixed self-serve threshold. There is no published "hit $X volume for N days and auto-upgrade" rule; the score reflects your live history and our risk team's review. To request a manual review for better reserve / settlement terms, contact your account manager with your merchant id. A very low score can place an account in probation (higher reserve, longer hold) pending review.