The above is the relevant content of Amazon’s backend. In plain English, it is: "Why does Amazon have a retainer?" 》

1. Amazon will reserve the amount of your order until it is delivered and signed for and there are no problems before releasing the money.

2. In the event of a credit card chargeback or claim, your funds will be reserved until the process is completed.

3. If the seller's performance is not up to standard, or the product return rate is high, it will also increase the proportion of your retainer.

4. If there is a problem with the account, there is an account review, or if the estimated delivery time exceeds the settlement cycle, your funds will also be reserved for new sellers.

So this is why some accounts have a low reserve ratio and some accounts have a high reserve ratio.