The contractual process by which a merchant can have their remittance adjusted when actual receipts fall short of what was projected.
Reconciliation is what makes repayment genuinely contingent on revenue rather than fixed. Most agreements provide for it; the meaningful question is how hard it is to actually obtain. A clause that exists on paper but requires documentation nobody can realistically produce is a recurring theme in enforcement actions.
Holdback
The percentage of daily card sales or bank deposits a funder takes until the advance is repaid.
Recharacterisation
A court or regulator determining that a transaction structured as an advance was, in substance, a loan.
Confession of judgment
A contractual clause in which a merchant agrees in advance to entry of judgment against them on default, without a hearing.
Cure period
A contractual window in which a merchant can remedy a breach before default consequences apply.
ACH remittance
Repayment collected by scheduled debit from the merchant’s bank account rather than as a split of card receipts.
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