May I ask why you are wanting to disable Shopify Payments?
I have just reached out to our payments team who have advised that each case is different. In order to get the most accurate answer for you, I highly suggest getting in direct contact with the team by responding to the ticket you received initially informing you of the reserve, or reaching out via live chat.
While we’re not able to provide account-specific support via the Shopify Community at this time, we’d be happy to continue assisting you through live chat, email, or callback. Please visit https://bit.ly/3cJkx8V and log in to your account to create a support request.
Since this is the next step I've marked this reply as the solution for the benefit of others who may discover this topic. Thanks!
Moira | Social Care @ Shopify
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