What is a 10% rollover reserve for 6 months?

A security deposit of 10% of every transaction is held in escrow for 6 months and then refunded to you. These funds are held by our banks to indemnify MultiCards from chargebacks and claims lodged against your account due to merchants going out of business, bankruptcy, fraud charges and claims for non-delivered goods, warranties and or pre-paid yearly fees.
If you close your account, your reserve is refunded after 180 days.