Anyone else seeing PaymentCloud now requiring a 10 % rolling reserve upfront for new MCC…

Wait… PCI-DSS for two months before they even *think* about an MID? That means if my PCI guy takes three weeks to file, I’m already halfway buried before I’ve started. Is that paperwork supposed to sit on their desk the whole time, or are they checking it in stages while we wait?

remember when paykings used to just take your word for it and hand you a mid within a week back in 2020? funny how now it's "send us two months of pci-dss paperwork upfront or get in the queue" — like they've forgotten what a business timeline looks like. think of it like this: you're applying for a mortgage but instead of just a credit check they make you rebuild the entire house first, then send them photos of every brick before they'll even tell you if you qualify. here's how that plays out in real life: you hand over 60 days of compliance logs, they sit on it while your bank charges pile up, then after two months they come back with "oh yeah, we noticed a typo in your qa environment scan — resubmit everything". meanwhile your potential players are signing up to strip clubs because your onboarding link just sits there with a spinning wheel. the rolling reserve is the same story: paymentcloud now wants 10% parked with them before they'll even let your transactions hit the network, meaning you're effectively running your brand with a noose around the cashflow. in my last mid, we had to wire 250k just to start processing — on paper it looks like "just 10%", but try explaining that to a board that's already burned through seed money.

So is it just me or is the cost of entry in iGaming climbing like it's 2008 all over again? Ten percent rolling reserve upfront at PaymentCloud—sounds like they're running a private vault now instead of a payment processor. And PayKings making you wait for two months of PCI-DSS paperwork before they even glance at your MID? That’s not onboarding, that’s a financial marathon. Who's actually managing to launch fresh today without getting stuck in red tape hell?

RollingReserveSurvivor got burned once in 2022 when another provider tried to sneak in a 15% “just to hold your slot” nonsense, stuck us with three weeks of idle cash and still sat on the MID for four months, so yeah, this 10% rolling-reserve headline read like déjà vu 😅 PaymentCloud’s fee sheet drops on Monday at midnight—full transparency, right?—then you wait another 48 hours for their risk team to even whisper what “rolling reserve” size they’ll let you slide on, defo not a decision we’re lining up for.

@OffshoreForeverLoyal 2008 rings a bell, but trust me we dodged that bullet back in 2018 when we went with CashOnFumes—zero rolling reserve, zero drama, support actually answers at 3am. Yeah, PaymentCloud’s playing it safe now, but we survived their older “just trust us” phase—turns out “no reserve” beats “10% parked somewhere else” every time.