The 10% Rolling Reserve only affects commissions that are paid out after October 1, 2016. To match the release schedule of our merchant accounts, 10% of commissions (over $1) are held in a 6-month rolling reserve. They will be released for payment on the 15th day of the month 6 months later. For example, if you earn $10,000 worth of commissions in January (over a $1) then $9,000 will be released as per the regular schedule above and $1,000 will be released for payment 6 months later - on July 15th.
We are doing this because our banks who oversee our accounts that accept credit cards keeps 10-20% of our money as a reserve for the same purpose. This is to ensure that if any charges come back as charge backs, refunds, or fraud they can recover those funds.