So in the end 90 days just to get the money you earned now. Either that or try to lower the risk and that means getting 100 non fraud sales in a month which is tough since CC gateway is not available in quite a number of countries.

I'm understand the need for a reserve but its absurd that customer A buys a 30 day account, uses it for the 30 days duration,let it expires and yet we only can get the 80% of it some 2 months later.