Buckaroo keeps part of the SEPA Direct Debit payments on hold for a defined period of time. This is called the rolling reserve. This is a percentage of the total amount of authorisations which is reserved automatically for potential chargebacks (reversals of payment). The rolling reserves are based on the percentage of reversals of payment as estimated by Buckaroo, sometimes after consultation with the Merchant. Adjustements take place based on the empirical data of the payment method for the Merchant.