$3000 is quite low in my experience (depends on your processing volume; I've seen high tens to mid hundreds of thousands of dollars) - although reserves typically aren't applied as 100% of your transactions until you meet them. Normally it's filled slowly over time, say 1-5% per transaction until the reserve is met.
Moreover, you generally won't get it back until several months after you stop processing, since that's when the real risk of chargebacks goes away. Depending on your contracts and agreements, the timeframe can change significantly, including having several smaller payouts.
Moreover, you generally won't get it back until several months after you stop processing, since that's when the real risk of chargebacks goes away. Depending on your contracts and agreements, the timeframe can change significantly, including having several smaller payouts.