Have had an account with them since 08. Haven't done much volume with them since 2011. Just started running payments through them again and now have a "Reserve Restriction" on my account which holds 15% of every incoming transaction I receive for 180 days "in case there are chargebacks." There hasn't been 1 dispute or chargeback on my account and no indication that there will be in the future. They say this is to protect them (and me, lol). Is this a customary practice they use or have I been "specially selected" for this odd restriction? Any info/input would be much appreciated. Thanks.