Build the case Risk can reviewCapital stuck in a rolling reserve that may no longer match observed risk.

Arkven turns your current operating data into a clear reserve review file you can send to your payment provider.

See the capital impact. Show how the business is performing today. Make one clear review request.

Apply for research cohortSee a sample

Connect your current operating data. Get a clear reserve review file. Submit it through your payment provider's own channel.

10 US merchants · Active Stripe reserve · $0

Stripe required · Shopify optional

Why review a reserve?

Your business changes. Your reserve may not.

A reserve can be set during rapid growth, elevated disputes, or fulfillment uncertainty—then keep tying up working capital after the business has moved on.

Arkven helps you show the current picture.

What Arkven does

From operating data to a review file you can send.

  • See the impact

    Understand how much working capital your current reserve terms may be tying up.

  • Build the case

    Arkven organizes your recent payment and operating history into a concise review file.

  • Make one clear request

    Ask for one specific change instead of sending Risk a long, unfocused explanation.

  • Follow the review

    Keep the case organized as your payment provider responds.

Sample case

Sample

Northshore Nutrition

Illustrative sample · SAMPLE DATA

Monthly processing

~$420k

Current reserve

10% / 90 days

Estimated capital held

~$125k

Requested review

10% → 5%

Potential capital difference

~$62k

Supporting operating history is included in the review file.

Illustrative request. Estimates only. Your payment provider makes the final decision.

Public sample only — these four figures. The full pack is not shown here.

How it works

Connect, build, send, follow.

  1. 01

    Connect

    Link Stripe. Shopify optional.

  2. 02

    Build

    Get your reserve review file and one clear request.

  3. 03

    Send

    Submit it in your payment provider's channel.

  4. 04

    Follow

    Track the review as Risk responds.

Out of scope

Built for review — not promises.

  • We don't fight chargebacks.
  • We don't submit the review for you.
  • We don't guarantee reserve reductions.
  • We don't move or hold your funds.

Your payment provider makes the final risk decision.

We make the case easier to build, clearer to review, and faster to submit.

Research cohort

10 US merchants. Active Stripe reserve. $0.

We're working with a small group of US merchants to follow real reserve reviews from current operating data through the final decision.

Participation is free for this research cohort. In exchange, participating merchants agree to share the payment provider's review questions and final reserve outcome with Arkven.

Best fit: established US merchants with an active Stripe reserve and meaningful processing history.

Apply for research cohort

Research participation does not guarantee a reserve change.

Security

Your payments stay where they are.

Arkven uses connected operating data to build your review file. We don't process payments, move funds, or collect card numbers.

  • No PAN or CVV
  • No movement of funds
  • Secrets never exposed to the browser
  • Secure Stripe connection
  • Shopify optional
  • Disconnect when you choose

Reserve intelligence for complex commerce.

Turn current operating data into a clear reserve review file.

Connect your current operating data. Get a clear reserve review file. Submit it through your payment provider's own channel.

Apply for research cohortLog in