diff --git a/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java b/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
index 92da4fffa..db524b05b 100644
--- a/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
+++ b/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
@@ -7380,7 +7380,8 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
         info.put("cost_per_transaction", clientRate.getString("transaction_fee"));//每次交易成本
         info.put("domestic_fee", cardRate.getString("domestic_rate_value"));//国内服务费
         info.put("international_fee", cardRate.getString("overseas_rate_value"));//国际服务费
-        info.put("account_reserve", cardAccountReserve);//账户储备金
+        BigDecimal reserve = (upayProfileInfo.getBigDecimal("expected_card_revenue").multiply(new BigDecimal(0.005)).setScale(0, RoundingMode.HALF_UP));
+        info.put("account_reserve", reserve.compareTo(new BigDecimal(200)) <= 0 ? new BigDecimal(200).toPlainString() : reserve.toPlainString());//账户储备金
         //银行账号信息
         info.put("account_name", bankAccountInfo.getString("account_name"));//
         info.put("bsb", bankAccountInfo.getString("bsb_no"));