L1 — Pilot
15.0%3,000 USD daily · 60,000 USD monthly
- Settlement T+3
- Reserve 10%, held 30 days
- Where every file starts
- No same-day settlement
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Rates
Published ranges. Four tiers. No call required to see them.
Most processors in this segment won't put a number on a page, because the number invites comparison. We publish ours because the alternative — a rate that appears only after a sales call — is how merchants end up in month four discovering a reserve they never agreed to.
L2 — Standard
17.0%8,000 USD daily · 150,000 USD monthly
- Settlement T+2
- Reserve 10%, held 30 days
- Earned after fourteen clean days
- Daily reconciliation from day one
L3 — Advanced
18.5%20,000 USD daily · 400,000 USD monthly
- Settlement T+1
- Reserve 8%, held 21 days
- Thirty days above 150,000 USD
- Velocity raised only in writing
L4 — Core
20.0%50,000 USD+ daily · uncapped monthly
- Settlement same day
- Reserve 5%, held 14 days
- Quarterly review
- No monthly ceiling
B2B invoicing
L2 – L3Same published share bands
- Invoice payment by card, net-30 / net-60
- Slowest to approve, cleanest once running
- Paper trail usually already exists
What the partner asks for
Same fileTwo extra documents
- Sample invoice with terms printed on it
- Customer concentration note
- Delivery proof on shipped goods
Not a fit
DeclinedWe say so on day one
- Aggregating another merchant's volume
- Money transmission of any kind
- No verifiable entity or live site
Recurring billing
L2 – L3Same published share bands
- Defined retry schedule
- Chargeback ratio reviewed monthly
- Reserve applies, released at term end
What gets inspected
Two screensA buyer sees them before we do
- The signup page, exactly as a customer sees it
- The cancellation path, in plain text
- Negative-option billing without clear consent
Payout
By tierT+3 down to same day
- Same schedule as keyed volume
- Daily reconciliation file
- We never hold or route funds
| Tier | Daily cap | Monthly ceiling | Your share | Settlement |
|---|---|---|---|---|
| L1 — Pilot | 3,000 USD | 60,000 USD | 15.0% | T+3 |
| L2 — Standard | 8,000 USD | 150,000 USD | 17.0% | T+2 |
| L3 — Advanced | 20,000 USD | 400,000 USD | 18.5% | T+1 |
| L4 — Core | 50,000 USD+ | Uncapped | 20.0% | Same day |
| Item | Tier / range | How it is set |
|---|---|---|
| Reserve | 10% for 30 days | L1 and L2, released when the term ends and chargebacks clear |
| Reserve | 8% for 21 days | L3, same release rule |
| Reserve | 5% for 14 days | L4, same release rule |
| Per transaction | $0.25 – $0.30 | Keyed and MOTO transactions |
| Application fee | $0 | We are compensated by the acquiring partner out of the merchant discount |
| Hardware | $0 | You keep your terminal; we do not sell devices |
Where the four tiers sit on the share scale
Movement upward is earned, and it is written down when it happens.
Tiers do not move down on their own. Only the risk triggers below reduce your velocity.
How tiers work.
You start at L1. Movement upward is earned: fourteen clean days for L2, thirty days above 150,000 USD for L3, a quarterly review for L4. Tiers do not move down on their own — the only mechanism that reduces your limits is the risk trigger set, and you'll see those numbers below rather than in a footnote.
Reserve.
Withheld per tier — 10% for thirty days at L1 and L2, 8% for twenty-one at L3, 5% for fourteen at L4. Released when the term ends and chargebacks clear. We state it here because a reserve you discover later feels like a penalty; a reserve you agreed to is just terms.
What can reduce your limits.
Chargeback rate above 1.5%. Concentration above 30% in a single issuing bank. Daily decline rate above 25%. Crossing any one downgrades your velocity first — your share doesn't move. Forty-eight hours without improvement suspends the channel.
Those three numbers are the reason the other numbers hold. Any provider who won't show you theirs is asking you to trust arithmetic you can't check.
Ranges, not a promise. Final terms depend on the file. Hollis Payments LLC is not a bank and does not hold, custody or transmit funds.