# Adds the ability to monitor reserve activity on Balance Transactions and reconcile Risk Reserved balance changes

## What’s new

Adds two new [Balance Transaction](https://docs.stripe.com/api/balance_transactions/object.md?api-version=2026-01-28.clover) [type](https://docs.stripe.com/api/balance_transactions/object.md?api-version=2026-01-28.clover#balance_transaction_object-type) values for tracking reserve activity:

- `reserve_hold`: Records when funds are held in reserve
- `reserve_release`: Records when reserved funds are released back to your available balance

Adds a new `risk_reserved` value to the [balance_type](https://docs.stripe.com/api/balance_transactions/object.md?api-version=2026-01-28.clover#balance_transaction_object-balance_type) property to indicate which transactions impact your Risk Reserved balance.

## Impact

You can now monitor reserve activity by [filtering Balance Transactions](https://docs.stripe.com/api/balance_transactions/list.md?api-version=2026-01-28.clover#list_balance_transactions-type) for the `reserve_hold` and `reserve_release` types. Use the `risk_reserved` [balance type](https://docs.stripe.com/api/balance_transactions/object.md?api-version=2026-01-28.clover#balance_transaction_object-balance_type) to reconcile Risk Reserved balance changes.

## Changes

#### REST API

| Values | Change | Enums |
| --- | --- | --- |
| `risk_reserved` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-balance_type) |
| `reserve_hold`, `reserve_release` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-type) |

#### Ruby

This change does not affect the Ruby SDK.

#### Python

| Values | Change | Enums |
| --- | --- | --- |
| `risk_reserved` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-balance_type) |
| `reserve_hold`, `reserve_release` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-type) |

#### PHP

| Values | Change | Enums |
| --- | --- | --- |
| `risk_reserved` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-balance_type) |
| `reserve_hold`, `reserve_release` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-type) |

#### Java

This change does not affect the Java SDK.

#### Node.js

| Values | Change | Enums |
| --- | --- | --- |
| `risk_reserved` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-balance_type) |
| `reserve_hold`, `reserve_release` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-type) |

#### Go

| Values | Change | Enums |
| --- | --- | --- |
| `risk_reserved` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-BalanceType) |
| `reserve_hold`, `reserve_release` | Added | [BalanceTransaction](/api/balance_transactions/object?api-version=2026-01-28.clover#balance_transaction_object-Type) |

#### .NET

This change does not affect the .NET SDK.

## Upgrade

#### REST API

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. If you use an SDK, upgrade to the corresponding SDK version for this API version.
   - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api/versioning.md) to include `Stripe-Version: 2026-01-28.clover`
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Ruby

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Ruby SDK to [v18.2.0](https://github.com/stripe/stripe-ruby/releases/tag/v18.2.0)
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Python

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Python SDK to [v14.2.0](https://github.com/stripe/stripe-python/releases/tag/v14.2.0)
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### PHP

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your PHP SDK to [v19.2.0](https://github.com/stripe/stripe-php/releases/tag/v19.2.0)
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Java

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Java SDK to [v31.2.0](https://github.com/stripe/stripe-java/releases/tag/v31.2.0)
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Node.js

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Node SDK to [v20.2.0](https://github.com/stripe/stripe-node/releases/tag/v20.2.0)
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Go

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Go SDK to [v84.2.0](https://github.com/stripe/stripe-go/releases/tag/v84.2.0)
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### .NET

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your .NET SDK to [v50.2.0](https://github.com/stripe/stripe-dotnet/releases/tag/v50.2.0)
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

## Related changes

- [Adds support for 3D Secure versions 2.3.0 and 2.3.1](https://docs.stripe.com/changelog/clover/2026-01-28/3d-secure-version-support.md)
- [Adds the ability to opt out of strict arithmetic validation for Payment Line Items](https://docs.stripe.com/changelog/clover/2026-01-28/loosen-arithmetic-validation-for-payment-line-items.md)
- [Adds Adyen as an issuer for iDEAL payments](https://docs.stripe.com/changelog/clover/2026-01-28/adds-adyen-as-an-issuer-for-ideal-payments.md)
- [Adds adjustable quantity to the line items response](https://docs.stripe.com/changelog/clover/2026-01-28/line-items-adjustable-quantity.md)