{"updated":"2026-10-17","license":"CC BY 4.0, cite FrozenFunds (https://frozenfunds.org/freeze-index.html)","count":478,"entries":[{"id":"1x8guo0","p":"Whop","biz":"Online seller","ind":"Unknown","amt":"$98","amt_v":98.0,"cur":"USD","len":"90 days","days":90,"reason":"","outcome":"Support said the holds would release automatically on the listed dates and could not be released early.","country":"Nepal","date":"2026-10-17","summary":"A seller based in Nepal says about $98 of the account balance was held through transaction holds and a standard reserve. Support said the holds would release automatically on scheduled dates.","src":"https://www.reddit.com/r/whop/comments/1x8guo0/new_whop_seller_98_of_my_102_balance_is_on_hold/","st":"public","via":"Reddit"},{"id":"sc699090","p":"Shopify Payments","biz":"Online business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"A separate internal hold remained after a bank issue was resolved and a review was completed","outcome":"Unresolved at the time of the post","country":"","date":"2026-10-16","summary":"An online-business owner says payouts remain held after a bank issue was resolved and a review-related hold was lifted. The case was escalated internally, but no resolution timeframe was provided.","src":"https://community.shopify.com/t/shopify-payments-payout-hold-policy-operations-timeline/699090","st":"public","via":"Shopify Community"},{"id":"1x7i9ut","p":"PayPal","biz":"Digital products seller","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"weeks","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-10-16","summary":"A digital-products seller says PayPal has reduced their instant-access limit and is holding funds as sales grow. They report being told they cannot request another limit increase until a specified date.","src":"https://www.reddit.com/r/paypal/comments/1x7i9ut/why_do_i_have_to_keep_contacting_paypal_support/","st":"public","via":"Reddit"},{"id":"sc699084","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Payouts had not been released at the time of the post","country":"","date":"2026-10-16","summary":"A merchant says payouts for customer orders have not been released, despite receiving an email indicating daily payouts were set up.","src":"https://community.shopify.com/t/holding-my-payouts/699084","st":"public","via":"Shopify Community"},{"id":"1x6zvfv","p":"Shopify Payments","biz":"Streetwear ecommerce store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"until Feb 14, 2027","days":null,"reason":"Financial risk, citing chargebacks, fulfillment practices, buyer complaints, and external data.","outcome":"Appeal submitted; payouts remain frozen.","country":"","date":"2026-10-15","summary":"A streetwear seller says Shopify Payments disabled the account and froze payouts until Feb 14, 2027. The seller submitted an appeal and says the frozen funds are needed to fulfill open orders.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1x6zvfv/shopify_payments_disabled_with_no_warning_069/","st":"public","via":"Reddit"},{"id":"hn50088222","p":"Wise","biz":"LLC and sole proprietorship","ind":"Unknown","amt":"$22k; about 3.4k PLN","amt_v":null,"cur":"","len":"27 days","days":27,"reason":"Wise said it could not share the specific reason for closing the accounts.","outcome":"Unresolved at the time of the post; refunds had not been paid.","country":"United States and Poland","date":"2026-10-14","summary":"A business account holder says Wise closed accounts for a US LLC and a Polish sole proprietorship, leaving balances of about $22k and 3.4k PLN unpaid 27 days later. Wise said checks were ongoing and gave no refund timeline.","src":"https://news.ycombinator.com/item?id=50088222","st":"public","via":"Hacker News"},{"id":"1x4b976","p":"Wise","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Accounts closed and funds withheld; unresolved at time of post","country":"","date":"2026-10-12","summary":"A business owner says Wise closed three business accounts without any explanation, taking away the funds and disrupting operations, expenses and team payments.","src":"https://www.reddit.com/r/payments/comments/1x4b976/wise_closed_all_3_of_my_business_accounts_randomly/","st":"public","via":"Reddit"},{"id":"1x3h26c","p":"PayPal","biz":"Online store selling digital gaming products","ind":"Gaming","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"All incoming payments still on hold at time of post","country":"","date":"2026-10-11","summary":"An online gaming-products seller says PayPal has held every incoming payment despite the account dashboard showing that release requirements were met. The post does not state a reason or how long the holds will continue.","src":"https://www.reddit.com/r/paypal/comments/1x3h26c/paypal_still_holding_all_my_payments_even_though/","st":"public","via":"Reddit"},{"id":"1x0nlm5","p":"Whop","biz":"eSIM resale business","ind":"Ecommerce","amt":"about €583.88","amt_v":583.88,"cur":"EUR","len":"","days":null,"reason":"The provider cited fraudulent payment activity.","outcome":"Appeal denied; account suspension upheld, with no release scheduled and remaining funds held for refunds, disputes, and compliance obligations.","country":"","date":"2026-10-08","summary":"An eSIM reseller says the account was suspended after a withdrawal attempt, with about €583.88 across available, pending, and reserved balances. The appeal was denied, and the provider said the funds would be retained for refunds and disputes.","src":"https://www.reddit.com/r/whop/comments/1x0nlm5/whop_suspended_moondigital_esim_for_fraudulent/","st":"public","via":"Reddit"},{"id":"1x0yem7","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Chargeback protection period","outcome":"The hold period expired, but the balance remained locked and could not be transferred","country":"US","date":"2026-10-08","summary":"A US online merchant says Shopify Payments was disabled and funds were held for a 120-day chargeback protection period. After that period passed, the balance remained locked and could not be transferred to a bank account.","src":"https://www.reddit.com/r/shopify/comments/1x0yem7/shopify_promised_fund_release_after_sep_24_120day/","st":"public","via":"Reddit"},{"id":"sc693077","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"£2,780.00","amt_v":2780.0,"cur":"GBP","len":"almost 2 weeks","days":14,"reason":"Manual account review","outcome":"Unresolved at time of post","country":"UK","date":"2026-10-07","summary":"A UK seller says Shopify Payments payouts have been on hold for almost two weeks under a manual account review, with £2,780 pending and no timeframe from the review team.","src":"https://community.shopify.com/t/shopify-payments-payouts-on-hold-for-almost-2-weeks-no-timeline-from-support/693077","st":"public","via":"Shopify Community"},{"id":"1wzxm8j","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"60 days","days":60,"reason":"A 1.8% chargeback ratio","outcome":"Funds were held for 60 days; no release outcome is stated.","country":"","date":"2026-10-07","summary":"A business poster says Stripe held funds for 60 days after a 1.8% chargeback ratio triggered an account freeze. The poster says all revenue had been going through that account.","src":"https://www.reddit.com/r/smallbusiness/comments/1wzxm8j/whats_your_backup_if_stripe_or_square_freezes/","st":"public","via":"Reddit"},{"id":"1wzusrh","p":"Wise","biz":"US LLC owner","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account closed","country":"","date":"2026-10-07","summary":"A business account holder says Wise suddenly closed their account shortly after they left funds in it following a final invoice. They note they hold a US LLC as a foreigner and say no reason was provided.","src":"https://www.reddit.com/r/transferwiser/comments/1wzusrh/my_time_has_come_wise_closed_account/","st":"public","via":"Reddit"},{"id":"1wylx0d","p":"Stripe","biz":"E-commerce company selling remanufactured automotive parts","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"approximately 120 days","days":120,"reason":"Stripe said the account presented an unacceptable level of risk","outcome":"Appeal rejected; account closed and balance held","country":"","date":"2026-10-05","summary":"An EU e-commerce company says Stripe rejected its appeal after a risk review and stopped processing payments. The remaining balance is being held for approximately 120 days.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1wylx0d/stripe_closed_our_legitimate_eu_ecommerce_account/","st":"public","via":"Reddit"},{"id":"1wxj21c","p":"Stripe","biz":"Business collecting payments and paying overseas contractors","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"5 days","days":5,"reason":"Unusual payout pattern","outcome":"Freezes lifted; poster split payments across multiple providers and reports no freezes for 7 months","country":"","date":"2026-10-04","summary":"A business that collects USD from US customers and pays contractors in India says Stripe flagged it twice for an unusual payout pattern within four months, each time imposing a five-day freeze, prompting them to split payments across several providers.","src":"https://www.reddit.com/r/payments/comments/1wxj21c/splitting_payouts_across_three_providers_to_avoid/","st":"public","via":"Reddit"},{"id":"1wumfrn","p":"PayPal","biz":"Digital goods seller","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"a month","days":null,"reason":"The seller was told they had sold too much too quickly","outcome":"Funds were expected to become available in a month; release not confirmed","country":"","date":"2026-10-01","summary":"A digital-goods seller says PayPal is holding part of the funds in a business account and will make them available in a month. The seller reports being told the restriction followed sales increasing too quickly.","src":"https://www.reddit.com/r/paypal/comments/1wumfrn/paypal_restrictions_on_business_account/","st":"public","via":"Reddit"},{"id":"1wunlz7","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-10-01","summary":"A merchant says they are still pursuing funds that Stripe continues to hold, describing persistent escalation and a loss of confidence in processors. They also ask whether withdrawing available funds immediately can trigger account reviews.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1wunlz7/update_on_my_stripe_journey_im_still_fighting_for/","st":"public","via":"Reddit"},{"id":"1wuhjxh","p":"PayPal","biz":"Freelance digital artist selling drawing commissions","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Transactions deemed inconsistent with policy and user agreement","outcome":"Permanent limitation removed after complaint to the central bank","country":"Philippines","date":"2026-09-30","summary":"A freelance digital artist in the Philippines had a PayPal account permanently limited after receiving payments for drawing commissions, and after appeals and a complaint to the country's central bank the limitation was removed.","src":"https://www.reddit.com/r/paypal/comments/1wuhjxh/recieved_an_email_saying_you_can_no_longer_use/","st":"public","via":"Reddit"},{"id":"1wu3xjz","p":"Wise","biz":"Small e-commerce business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"up to 30 days","days":30,"reason":"None given","outcome":"Unresolved at time of post","country":"Germany","date":"2026-09-30","summary":"A small German e-commerce business says Wise restricted and closed its business account without explanation, blocking incoming and outgoing payments and card use. The poster says support gave no reason, no contact person and only a wait of up to 30 days.","src":"https://www.reddit.com/r/transferwiser/comments/1wu3xjz/wise_froze_our_business_account_with_zero/","st":"public","via":"Reddit"},{"id":"1wteprb","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"Until January 27th","days":null,"reason":"Chargeback risk","outcome":"Reserve was in place at the time of the post","country":"","date":"2026-09-29","summary":"An online store owner says 10% of each sale was being reserved until January 27th, despite having no chargebacks. The owner says the reserve was attributed to chargeback risk.","src":"https://www.reddit.com/r/shopify/comments/1wteprb/shopify_put_a_10_reserve_on_my_payouts/","st":"public","via":"Reddit"},{"id":"1wtjk8c","p":"PayPal","biz":"Business account holder whose business no longer exists","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"48 hours","days":null,"reason":"None given","outcome":"Funds released after 48 hours and transferred out","country":"","date":"2026-09-29","summary":"A long-standing PayPal business account was limited with a document request, and after the poster submitted what was available the funds were released about 48 hours later and withdrawn.","src":"https://www.reddit.com/r/paypal/comments/1wtjk8c/limited_business_account/","st":"public","via":"Reddit"},{"id":"1wqpour","p":"Stripe","biz":"AI startup selling personalized children's books","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"A refund during testing left the account with a negative balance.","outcome":"Payouts were paused; the poster was seeking a way to cover the negative balance.","country":"","date":"2026-09-26","summary":"An AI startup founder says Stripe paused payouts after a testing refund left the account with an approximately $6 negative balance. The founder was looking for a way to cover it without incurring a wire fee.","src":"https://www.reddit.com/r/stripe/comments/1wqpour/need_help_with_a_small_negative_stripe_balance/","st":"public","via":"Reddit"},{"id":"1wpi7th","p":"Stripe","biz":"Loot box style collectibles business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post; owner considering switching payment providers","country":"","date":"2026-09-25","summary":"The owner of a loot box style collectibles business says Stripe began holding part of their payouts, straining cash flow, and is considering switching payment providers. Unresolved at the time of posting.","src":"https://www.reddit.com/r/Businessowners/comments/1wpi7th/stripe_reserves_are_making_me_rethink_the_entire/","st":"public","via":"Reddit"},{"id":"1wojq76","p":"PayPal","biz":"Long-running online business","ind":"Other","amt":"","amt_v":null,"cur":"","len":"90 days","days":90,"reason":"To protect against disputes","outcome":"Unresolved at time of post","country":"","date":"2026-09-23","summary":"A business that has processed payments for over a decade says a 5% rolling reserve was reinstated on its PayPal account, holding 5% of income for 90 days, with no clear explanation given.","src":"https://www.reddit.com/r/paypal/comments/1wojq76/random_and_sudden_rolling_reserves/","st":"public","via":"Reddit"},{"id":"1wo3844","p":"PayPal","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"","outcome":"Funds became available for withdrawal after 180 days","country":"Philippines","date":"2026-09-23","summary":"A PayPal user in the Philippines says their account was permanently limited and funds received from a client were held for 180 days before becoming available for withdrawal. They asked how to withdraw the funds without a linked bank or card.","src":"https://www.reddit.com/r/DigitalbanksPh/comments/1wo3844/how_to_withdraw_my_funds_on_paypal_after_180_days/","st":"public","via":"Reddit"},{"id":"1wmzokb","p":"Stripe","biz":"Creator receiving donations","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Payouts remained unavailable at the time of the post.","country":"","date":"2026-09-22","summary":"A creator says Stripe stopped allowing payouts from their donation income, including a recent client payment. They were unsure of the cause and had not found a way to contact human support.","src":"https://www.reddit.com/r/stripe/comments/1wmzokb/unable_to_payout_funds_kofi_donations/","st":"public","via":"Reddit"},{"id":"1wlxlv7","p":"Stripe","biz":"E-commerce business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Risk grounds","outcome":"Unresolved at time of post; pursuing formal escalation channels","country":"UAE","date":"2026-09-21","summary":"A UAE-registered e-commerce business says Stripe closed its account on risk grounds, cancelling pending payouts, withholding the remaining balance and disabling customer refunds. The merchant says the matter was unresolved and was pursuing formal escalation routes.","src":"https://www.reddit.com/r/UAE/comments/1wlxlv7/any_uae_merchants_recently_had_stripe_close_their/","st":"public","via":"Reddit"},{"id":"hn49764468","p":"Stripe","biz":"Online handcrafted fashion retailer","ind":"Ecommerce","amt":"about 100k","amt_v":100000.0,"cur":"","len":"","days":null,"reason":"None given","outcome":"Payouts remained blocked and the review was unresolved at time of post","country":"","date":"2026-09-19","summary":"An online handcrafted fashion retailer says Stripe blocked payouts after sales surged, leaving about 100k in the account. The retailer says support cited a review but gave no specific reason or firm resolution timeline.","src":"https://news.ycombinator.com/item?id=49764468","st":"public","via":"Hacker News"},{"id":"1wjtjnl","p":"Stripe","biz":"Marketing agency","ind":"Services/Agency","amt":"$10,742","amt_v":10742.0,"cur":"USD","len":"120 days","days":120,"reason":"Payments that did not appear authorised by the customer","outcome":"Unresolved at time of post; taking it to the financial ombudsman","country":"UK","date":"2026-09-18","summary":"A marketing agency owner says Stripe closed their account without warning and is holding $10,742, citing payments that did not appear authorized, with a 120-day review. They also say a direct debit of £10.4k was taken to cover older chargebacks and that the business was previously shut down after heavy chargeback losses.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1wjtjnl/stripe_are_trying_to_take_this_down_stripe_cost/","st":"public","via":"Reddit"},{"id":"1wh43jl","p":"Wise","biz":"Company","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Wise said business onboarding in the poster’s location was paused and did not disclose the exact closure reason","outcome":"Account closed; refund had not been received","country":"","date":"2026-09-15","summary":"A company owner says Wise closed a newly opened business account after funds were transferred into it. The refund, including the account-opening fee, was still outstanding.","src":"https://www.reddit.com/r/transferwiser/comments/1wh43jl/wise_closed_my_business_account_after_receiving/","st":"public","via":"Reddit"},{"id":"1wfvt4p","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"7-day hold; 3–5 day freeze","days":null,"reason":"A support advisor said adding bank details triggered a freeze","outcome":"Marked solved; the resolution was not described","country":"","date":"2026-09-14","summary":"An online store owner says payouts remained pending while support gave conflicting estimates, including a 7-day hold and a further 3–5 day freeze related to adding bank details. The post is marked solved but does not explain the resolution.","src":"https://www.reddit.com/r/ShopifyeCommerce/comments/1wfvt4p/payout_hold_moving_goalposts_on_new_account_held/","st":"public","via":"Reddit"},{"id":"1wd4w6y","p":"Stripe","biz":"Services business","ind":"Services/Agency","amt":"$4,115.50","amt_v":4115.5,"cur":"USD","len":"nearly two years","days":null,"reason":"The account was considered higher risk than the provider could support.","outcome":"Unresolved at the time of the post; the funds remained unavailable.","country":"US","date":"2026-09-11","summary":"A US services business owner says the provider closed the account and continued withholding the remaining balance, which the dashboard labeled as available. The owner says the provider gave no release date or transaction-specific explanation.","src":"https://www.reddit.com/r/IgotStriped/comments/1wd4w6y/title_stripe_has_withheld_411550_shown_as/","st":"public","via":"Reddit"},{"id":"1w6ond1","p":"Paddle","biz":"Small SaaS business","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2026-09-04","summary":"A small SaaS owner says Paddle suddenly held their payout on payment day despite no chargebacks or known issues, and that email and social media outreach went unanswered. The seller says they would not recommend Paddle to other small SaaS owners.","src":"https://www.reddit.com/r/micro_saas/comments/1w6ond1/stay_away_from_paddle_holding_my_money/","st":"public","via":"Reddit"},{"id":"1w3xc6s","p":"PayPal","biz":"Used electronics reseller","ind":"Marketplace seller","amt":"$210","amt_v":210.0,"cur":"USD","len":"21 days","days":21,"reason":"A PayPal reserve, according to the automated assistant","outcome":"Payment held for 21 days","country":"","date":"2026-09-01","summary":"A used electronics reseller says a payment from a graphics card sale is being held under a reserve for 21 days.","src":"https://www.reddit.com/r/paypal/comments/1w3xc6s/why_all_of_a_sudden_paypal_reserve_holding_my/","st":"public","via":"Reddit"},{"id":"1w3aupn","p":"Stripe","biz":"Online trading-card and accessories shop","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Stripe deemed the business high risk; an ID verification was also requested during a payout restriction.","outcome":"The account was reinstated temporarily, then payouts were restricted and the account was later shut down.","country":"","date":"2026-08-31","summary":"An online collectibles shop says Stripe temporarily reinstated its account, then restricted payouts pending identity verification and later shut it down as high risk. The post does not state how much money was held.","src":"https://www.reddit.com/r/stripe/comments/1w3aupn/stripe_closed_our_account_as_high_risk_0_disputes/","st":"public","via":"Reddit"},{"id":"1w1gxij","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"Until December","days":null,"reason":"Disputes; the poster reports a 1.5% dispute rate and five disputes.","outcome":"Appeal filed and support escalated; payouts remained frozen at the time of the post.","country":"","date":"2026-08-29","summary":"An online store operator says Shopify Payments froze payouts, leaving them unable to pay a supplier to fulfill 182 orders. They report disputes and say their appeal and support escalation had not resolved the hold.","src":"https://www.reddit.com/r/shopify/comments/1w1gxij/shopify_payements_hold/","st":"public","via":"Reddit"},{"id":"sc674415","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"7-day hold","days":7,"reason":"Security pause","outcome":"Scheduled release date 9/4; unresolved at time of post","country":"","date":"2026-08-29","summary":"A Shopify seller says a new 7-day payout hold was applied after switching payout destination to Shopify Balance, despite support saying that switch would not trigger a security pause.","src":"https://community.shopify.com/t/expedite-payout-hold-triggered-by-support-recommended-payout-switch/674415","st":"public","via":"Shopify Community"},{"id":"1w0n1g9","p":"Revolut Business","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"1 day, then 7–10 days; still restricted after the stated completion date","days":null,"reason":"Under review; no specific explanation given","outcome":"Business and personal accounts remained restricted","country":"UK","date":"2026-08-28","summary":"A UK account holder says Revolut restricted both business and personal accounts, leaving funds inaccessible. The review remained unresolved after the provider’s stated completion date.","src":"https://www.reddit.com/r/Revolut/comments/1w0n1g9/gb_need_advice_revolut_froze_both_my_business_and/","st":"public","via":"Reddit"},{"id":"1w0gwph","p":"Stripe","biz":"Hotel accommodation booking company","ind":"Travel","amt":"THB 661,975","amt_v":661975.0,"cur":"THB","len":"until December 8, 2026","days":null,"reason":"","outcome":"The account was closed or restricted, and the funds were set to remain on hold until December 8, 2026.","country":"Thailand","date":"2026-08-28","summary":"A Thai hotel-booking business says Stripe closed or restricted its account and withheld THB 661,975 from three customer bookings. The business says it could not access or refund the payments and was told the funds would remain held until December 8, 2026.","src":"https://www.reddit.com/r/smallbusiness/comments/1w0gwph/stripe_closed_our_account_with_thb_661975_in/","st":"public","via":"Reddit"},{"id":"1w08pbc","p":"Lemon Squeezy","biz":"App with subscription","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-08-27","summary":"A merchant says Lemon Squeezy suspended their store without explanation, despite the app having one monthly subscriber for five months.","src":"https://www.reddit.com/r/SaaS/comments/1w08pbc/whats_wrob_with_lemon_squeezy_my_store_was/","st":"public","via":"Reddit"},{"id":"1vz5ms0","p":"Stripe","biz":"Live-stream trading card breaks","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-08-26","summary":"A seller running live trading-card breaks says Stripe unexpectedly began withholding a percentage of every payout after their volume increased. The funds tied up with Stripe are affecting their ability to buy more product, and the issue was unresolved at the time of posting.","src":"https://www.reddit.com/r/stripe/comments/1vz5ms0/anyone_else_running_breaks_had_stripe_suddenly/","st":"public","via":"Reddit"},{"id":"1vweml7","p":"PayPal","biz":"Marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Financial performance","outcome":"Account permanently limited; remaining funds held for 120 days","country":"","date":"2026-08-23","summary":"A marketplace seller says a dispute was closed before they could submit evidence, after which the payment account was permanently limited. The remaining funds were held for 120 days, and the poster had filed complaints but had not reported a resolution.","src":"https://www.reddit.com/r/smallbusiness/comments/1vweml7/paypal_closed_my_dispute_early_on_a_june_26_gpu/","st":"public","via":"Reddit"},{"id":"1vv9okv","p":"Stripe","biz":"Pack-ripping business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-08-22","summary":"A pack-ripping business says the provider placed a reserve on its account, leaving some sales proceeds unavailable. The business is using its own cash to cover fulfillment and supplies.","src":"https://www.reddit.com/r/stripe/comments/1vv9okv/stripe_put_a_reserve_on_my_account_and_now_im/","st":"public","via":"Reddit"},{"id":"1vtn1yk","p":"Square","biz":"Personal training business","ind":"Coaching/Courses","amt":"a little under 1k","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Account closed; appealing; funds due for release Sep 17","country":"US","date":"2026-08-20","summary":"A personal trainer who sells training packages to youth athletes says Square closed their account after flagging a routine payment and is holding just under $1,000 that was due for release on September 17. The poster is appealing and asking for alternative processor recommendations.","src":"https://www.reddit.com/r/SquareOfficial/comments/1vtn1yk/square_closed_my_account_what_should_i_do_now/","st":"public","via":"Reddit"},{"id":"1vtbuul","p":"PayPal","biz":"Limited company selling and servicing client equipment","ind":"Other","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2026-08-20","summary":"A long-standing limited company reports its PayPal business account was blocked and unblocked repeatedly over three months, with money movement blocked despite a healthy balance and repeated identity verification requests.","src":"https://www.reddit.com/r/paypal/comments/1vtbuul/some_of_your_account_features_are_blocked/","st":"public","via":"Reddit"},{"id":"1vsg48l","p":"PayPal","biz":"Freelance digital artist","ind":"Freelance","amt":"$100","amt_v":100.0,"cur":"USD","len":"","days":null,"reason":"None given","outcome":"Account banned, client refunded via dispute, $16 dispute fee charged","country":"","date":"2026-08-19","summary":"A freelance digital artist says a PayPal business account was limited and then banned after a first commission invoice of 100 USD was paid, with the client refunded through a dispute and a $16 dispute fee later charged.","src":"https://www.reddit.com/r/paypal/comments/1vsg48l/paypal_banned_my_business_account_after_first_art/","st":"public","via":"Reddit"},{"id":"1vrsmi9","p":"Wise","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"nearly 4 weeks","days":null,"reason":"Bug in Wise's own system blocking transactions","outcome":"Unresolved at time of post; formal complaint acknowledged but no fix or ETA","country":"UK","date":"2026-08-18","summary":"A UK business owner reports that a Wise Business account has been unusable for nearly four weeks, with payments, transfers, direct debits and card ordering all failing. Wise admitted in writing that a bug in its own system was blocking transactions, and even the return of funds to an external bank account could not be processed.","src":"https://www.reddit.com/r/wisebank/comments/1vrsmi9/warning_to_business_owners_wise_has_blocked/","st":"public","via":"Reddit"},{"id":"1vqjb38","p":"Stripe","biz":"Guest house","ind":"Travel","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider cited high-risk activity after automated interventions blocked payments from verified guests.","outcome":"The account was closed, and the post says funds were held past a written deadline; the excerpt does not provide a final resolution.","country":"US","date":"2026-08-17","summary":"A Florida guest-house owner says the processor closed the business account after automated payment blocks and held guest funds past its written deadline. The post describes a related disputed $750 deposit but does not state the amount of the held balance.","src":"https://www.reddit.com/r/smallbusiness/comments/1vqjb38/stripe_closed_my_6_week_old_lodging_business/","st":"public","via":"Reddit"},{"id":"1vp40gn","p":"Checkout.com","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account terminated; 25% rolling reserve imposed after objection; federal whistleblower retaliation case filed","country":"US","date":"2026-08-15","summary":"A US business owner says Checkout.com terminated their payment processing account about 20 hours after their whistleblowing activity became publicly linked to them, despite low chargebacks and a 0% standing reserve. After they objected and raised retaliation, the processor imposed a 25% rolling reserve, and they filed a federal whistleblower retaliation case.","src":"https://www.reddit.com/r/Whistleblowers/comments/1vp40gn/peters_v_checkout_i_blew_the_whistle_on_municipal/","st":"public","via":"Reddit"},{"id":"1vm6819","p":"Stripe","biz":"Travel agency","ind":"Travel","amt":"approximately $45,000","amt_v":45000.0,"cur":"USD","len":"approximately 120 days","days":120,"reason":"The provider said the account presented an unacceptable level of risk.","outcome":"Account restored and issue described as resolved; whether the held funds were released is not stated.","country":"US","date":"2026-08-12","summary":"A travel agency says the processor closed its account after reviewing a $15,000 client payment and held approximately $45,000 for about 120 days. The account was later restored, though the post does not specify what happened to the held balance.","src":"https://www.reddit.com/r/stripe/comments/1vm6819/stripe_closed_my_account_after_reviewing_a_15k/","st":"public","via":"Reddit"},{"id":"1vm2h2j","p":"Etsy Payments","biz":"Online marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"Temporary hold","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"US","date":"2026-08-12","summary":"A US marketplace seller says a temporary funds hold began after sales increased, leaving them to cover shipping costs themselves.","src":"https://www.reddit.com/r/EtsySellers/comments/1vm2h2j/temporary_hold_on_funds/","st":"public","via":"Reddit"},{"id":"1vmqr8j","p":"Stripe","biz":"Travel management and consulting company","ind":"Travel","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Stripe resolved the issue and the account became operational again.","country":"US","date":"2026-08-12","summary":"A US travel management and consulting company says Stripe reviewed a large transaction, then closed the account and placed payouts on hold. The owner later says Stripe reviewed additional information and resolved the issue.","src":"https://www.reddit.com/r/stripe/comments/1vmqr8j/stripe_closure_of_account_and_payouts_on_hold/","st":"public","via":"Reddit"},{"id":"1vkoege","p":"Payoneer","biz":"Freelancer receiving marketplace earnings","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"No specific reason was given.","outcome":"The account was permanently closed; the poster is considering a formal review request.","country":"India","date":"2026-08-10","summary":"An India-based freelancer says Payoneer permanently closed a newly created account linked to a freelance marketplace, leaving access to earnings in question. They say no specific reason was provided and are considering an appeal.","src":"https://www.reddit.com/r/payoneer/comments/1vkoege/payoneer_closed_my_newly_created_account_has/","st":"public","via":"Reddit"},{"id":"1viispc","p":"PayPal","biz":"Bootstrapped SaaS","ind":"SaaS/Software","amt":"~$300","amt_v":300.0,"cur":"USD","len":"2 weeks","days":14,"reason":"PayPal stopped supporting payouts to the poster's country.","outcome":"The payout was rerouted through another provider and the money arrived.","country":"","date":"2026-08-08","summary":"A bootstrapped SaaS operator says payouts totaling about $300 failed for two weeks. The issue was traced to PayPal no longer supporting payouts to the operator's country, and the funds arrived after rerouting.","src":"https://www.reddit.com/r/SaaS/comments/1viispc/a_payment_provider_held_300_of_my_revenue_for_2/","st":"public","via":"Reddit"},{"id":"1vhp970","p":"Payoneer","biz":"Freelancer and online marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"Several months; more than two months","days":null,"reason":"Repeated identity documents were rejected during verification.","outcome":"Account re-enabled after several months.","country":"","date":"2026-08-07","summary":"A freelancer and marketplace seller says their payment account was restricted during identity verification, preventing normal use for several months. The account was eventually re-enabled.","src":"https://www.reddit.com/r/payoneer/comments/1vhp970/be_very_careful_if_youre_relying_on_payoneer_for/","st":"public","via":"Reddit"},{"id":"1vi3pq5","p":"Whop","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"90-day reserve","days":90,"reason":"None given","outcome":"Unresolved at the time of the post.","country":"","date":"2026-08-07","summary":"A seller says the provider placed a 90-day reserve after around $20,000 in sales, without giving a clear explanation. The seller says repeated document submissions did not resolve the issue and support stopped responding.","src":"https://www.reddit.com/r/whop/comments/1vi3pq5/90_day_reserve_no_answers/","st":"public","via":"Reddit"},{"id":"1vh8ffu","p":"Payoneer","biz":"Online seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given; the seller says they received no clear explanation.","outcome":"Account closed, leaving the business unable to receive payments through platforms requiring the provider.","country":"Thailand","date":"2026-08-06","summary":"A Thailand-based online seller says their payment account was restricted and then closed, leaving the business unable to receive payments through platforms that require the provider. They say the appeal process did not provide a meaningful explanation.","src":"https://www.reddit.com/r/payoneer/comments/1vh8ffu/payoneer_please_be_more_transparent/","st":"public","via":"Reddit"},{"id":"1vf6i5r","p":"Etsy Payments","biz":"Marketplace seller","ind":"Marketplace seller","amt":"USD 171.94","amt_v":171.94,"cur":"USD","len":"14 days after a sale","days":14,"reason":"","outcome":"Payouts were blocked; the deposit timing was due for reevaluation on 26 October","country":"","date":"2026-08-04","summary":"A marketplace seller says their payment account was temporarily placed on hold and deposits were unavailable. The dashboard showed a pending balance of USD 171.94 and said funds would be eligible for deposit 14 days after a sale.","src":"https://www.reddit.com/r/EtsySellers/comments/1vf6i5r/need_help_etsy_put_a_temporary_hold_on_my_funds/","st":"public","via":"Reddit"},{"id":"1vepa0x","p":"Etsy Payments","biz":"Made-to-order Etsy shop selling large items","ind":"Ecommerce","amt":"$7500","amt_v":7500.0,"cur":"USD","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-08-03","summary":"An eight-year Etsy seller with recent monthly revenue of $20-25K says Etsy placed a payment reserve on their shop and is holding $7,500, leaving them short of funds to fulfil made-to-order purchases. They say support only sends repeated generic responses about how reserves work.","src":"https://www.reddit.com/r/EtsySellers/comments/1vepa0x/payment_reserve_help/","st":"public","via":"Reddit"},{"id":"1vdqwqr","p":"Wise","biz":"Business","ind":"Unknown","amt":"USD $40k","amt_v":40000.0,"cur":"USD","len":"Almost 25 days","days":null,"reason":"Due diligence and compliance checks before releasing the funds.","outcome":"The funds were refunded.","country":"","date":"2026-08-02","summary":"A business operator says their account was closed after they provided information about the business and source of funds, and the balance was held during compliance checks. They later reported receiving a refund.","src":"https://www.reddit.com/r/wisebank/comments/1vdqwqr/wise_closed_with_usd_40k_balance_and_not/","st":"public","via":"Reddit"},{"id":"1vces6u","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days, then extended to 365 days","days":null,"reason":"A store review was added, and the appeal was denied.","outcome":"Unresolved; the stated payout date was moved from 2026 to 2027.","country":"","date":"2026-08-01","summary":"An online store owner says payouts initially had a 120-day hold, but the expected release date was pushed back after a store review and denied appeal. The owner says support gave conflicting explanations about the revised payout date.","src":"https://www.reddit.com/r/dropshipping/comments/1vces6u/payout_hold/","st":"public","via":"Reddit"},{"id":"1vd03lt","p":"Shopify Payments","biz":"Authenticated luxury resale and sourcing business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Risk review","outcome":"Payout paused pending risk review; owner seeking a new processor, unresolved at time of post","country":"US","date":"2026-08-01","summary":"A newly launched US authenticated luxury resale business says Shopify Payments paused its first payout, a five-figure handbag sale, for a risk review days before it was due. The owner is now seeking a new processor and the issue was unresolved at the time of posting.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1vd03lt/new_luxury_resale_business_seeking_processor/","st":"public","via":"Reddit"},{"id":"1vbkx7o","p":"Stripe","biz":"AI model access platform","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Stripe incorrectly identified transactions as unauthorized.","outcome":"Stripe acknowledged the error and restored the account.","country":"Hong Kong","date":"2026-07-31","summary":"A Hong Kong software company says Stripe closed its account after flagging transactions as potentially unauthorized and rejected its appeal. The company later says Stripe acknowledged the mistake and re-enabled the account.","src":"https://www.reddit.com/r/stripe/comments/1vbkx7o/urgent_stripe_closed_our_account_over_alleged/","st":"public","via":"Reddit"},{"id":"1vaqkwt","p":"Shopify Payments","biz":"Ecommerce store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"High chargeback rate","outcome":"Shopify Payments terminated about six months earlier; poster is asking about reappeal prospects","country":"","date":"2026-07-30","summary":"An ecommerce merchant says Shopify Payments was disabled about six months ago due to a high chargeback rate. They have since used another provider with no chargebacks and are asking whether reinstatement is possible.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1vaqkwt/is_it_possible_to_get_shopify_payments_reinstated/","st":"public","via":"Reddit"},{"id":"1va5dfq","p":"Stripe","biz":"AI photo editor for car listings","ind":"SaaS/Software","amt":"$90","amt_v":90.0,"cur":"USD","len":"~45 days","days":45,"reason":"The customer's bank flagged the payment as fraud or a scam.","outcome":"Unresolved at the time of the post.","country":"","date":"2026-07-29","summary":"A SaaS founder says funds from a roughly $90 disputed payment were frozen while a chargeback was pending. The founder expected the funds to remain frozen for about 45 days.","src":"https://www.reddit.com/r/micro_saas/comments/1va5dfq/90_chargeback_after_they_used_100_photo_credits/","st":"public","via":"Reddit"},{"id":"1vadarc","p":"Shopify Payments","biz":"Luxury resale and private sourcing business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"A recent increase in chargebacks or disputes.","outcome":"Review pending after the seller submitted supporting documents.","country":"","date":"2026-07-29","summary":"A luxury resale and sourcing business says Shopify Payments paused the payout for its first order after citing a recent increase in chargebacks or disputes. The seller says there have been no disputes and has submitted documents for review.","src":"https://www.reddit.com/r/shopify/comments/1vadarc/any_shopify_payments_payout_hold_success_stories/","st":"public","via":"Reddit"},{"id":"1v9h8eo","p":"Stripe","biz":"","ind":"Unknown","amt":"$10,601.98","amt_v":10601.98,"cur":"USD","len":"","days":null,"reason":"Multiple capabilities paused","outcome":"Unresolved at time of post","country":"","date":"2026-07-29","summary":"A business owner says Stripe has held their funds since May 2025, with a dashboard balance of $10,601.98 shown as available while payouts remain disabled. They say repeated support contacts, verification steps and demand letters have not resolved it.","src":"https://www.reddit.com/r/stripe/comments/1v9h8eo/stripe_has_held_my_funds_since_may_2025_dashboard/","st":"public","via":"Reddit"},{"id":"1va1lij","p":"Stripe","biz":"Janitorial company","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"","outcome":"The account was closed and funds were to be held for 120 days; the poster was seeking another processor.","country":"","date":"2026-07-29","summary":"A janitorial business owner says the provider closed the payment account after about a month and rejected submitted business documents. The owner was told funds would be held for 120 days.","src":"https://www.reddit.com/r/Zoho/comments/1va1lij/zoho_receiving_payment_stripe_has_closed_my/","st":"public","via":"Reddit"},{"id":"x2082030802540360075","p":"PayPal","biz":"Freelance service provider","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Unusual activity","outcome":"Account remained frozen at the time of the post","country":"","date":"2026-07-28","summary":"A freelance service provider says their account was limited after receiving international client payments, which the provider flagged as unusual activity.","src":"https://x.com/When_50SOL/status/2082030802540360075","st":"public","via":"X"},{"id":"1v71jou","p":"PayPal","biz":"Freelance digital artist","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Account review requiring proof of purchase, fulfillment and business description","outcome":"Unresolved at time of post","country":"","date":"2026-07-26","summary":"A freelance digital artist says funds were put on hold and a verified PayPal business account was placed under review immediately after a client payment, with documents requested before the commission was finished.","src":"https://www.reddit.com/r/paypal/comments/1v71jou/my_account_is_limited_for_reviewing/","st":"public","via":"Reddit"},{"id":"1v62nne","p":"Wise","biz":"International goods trading and export businesses","ind":"Other","amt":"7.2k EUR","amt_v":7200.0,"cur":"EUR","len":"","days":null,"reason":"The provider said it could not verify the source of income.","outcome":"Business accounts were closed and funds remained inaccessible; a separate USD 20,000 payment was eventually returned, while a USD 25 fee was not.","country":"United States and Hong Kong","date":"2026-07-25","summary":"An international goods trader says the provider restricted a personal account and closed two business accounts, leaving 7.2k EUR inaccessible. The provider cited difficulty verifying income despite submitted business and banking records.","src":"https://www.reddit.com/r/wisebank/comments/1v62nne/over_10_years_user_account_terminated_72k_eur/","st":"public","via":"Reddit"},{"id":"x2081117985129775488","p":"PayPal","biz":"Online seller","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"3 days","days":3,"reason":"The account received many sales in a short period.","outcome":"The poster says they must wait for the account to be allowed to hold more money.","country":"","date":"2026-07-25","summary":"An online seller says a surge in sales led the provider to freeze their balance, and they were waiting for the account to be allowed to hold more money.","src":"https://x.com/ToKnull/status/2081117985129775488","st":"public","via":"X"},{"id":"1v690pj","p":"PayPal","biz":"Online dropshipping store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"up to 180 days","days":180,"reason":"None given","outcome":"Account permanently deactivated; funds held for up to 180 days","country":"Philippines","date":"2026-07-25","summary":"A Philippines-based online store owner says the payment account was permanently deactivated after the first sale and after providing transaction and shipping documentation. The funds were reportedly held for up to 180 days.","src":"https://www.reddit.com/r/dropshipping/comments/1v690pj/paypal_permanently_deactivated_my_account_after/","st":"public","via":"Reddit"},{"id":"1v5cbqp","p":"PayPal","biz":"Freelance digital artist","ind":"Freelance","amt":"$50","amt_v":50.0,"cur":"USD","len":"","days":null,"reason":"Verification requests including ID, business license, proof of fulfillment, supplier purchase proof, business explanation and website info","outcome":"Unresolved at time of post","country":"","date":"2026-07-24","summary":"A digital artist in Southeast Asia says a PayPal business account was limited after receiving a 50 USD commission payment, and both the business and personal accounts were later limited as documents were requested.","src":"https://www.reddit.com/r/paypal/comments/1v5cbqp/my_paypal_account_has_been_limited_and_i_am/","st":"public","via":"Reddit"},{"id":"hn49042989","p":"Stripe","biz":"UK ecommerce personalised products","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"high level of risk for disputes","outcome":"Payments switched off immediately; payouts held for 120 days; balance released in November; appeal denied; account closed permanently.","country":"UK","date":"2026-07-24","summary":"A UK ecommerce business selling personalised products says Stripe closed its account and held payouts for 120 days despite a dispute rate well below the provider's threshold; an appeal was denied.","src":"https://news.ycombinator.com/item?id=49042989","st":"public","via":"Hacker News"},{"id":"1v2bmf4","p":"WooPayments","biz":"Online store","ind":"Ecommerce","amt":"€800","amt_v":800.0,"cur":"EUR","len":"120 days","days":120,"reason":"The provider cited elevated risk of disputes.","outcome":"Account permanently closed; the balance was placed in reserve for 120 days and might be released afterward.","country":"","date":"2026-07-21","summary":"An online retailer says the provider suspended payouts on its first €800 in payments, then closed the account and reserved the balance for 120 days. The provider cited elevated dispute risk.","src":"https://www.reddit.com/r/woocommerce/comments/1v2bmf4/woocommerce_suspended_my_payouts/","st":"public","via":"Reddit"},{"id":"1v2mun9","p":"Revolut Business","biz":"Online service provider","ind":"Services/Agency","amt":"€3000","amt_v":3000.0,"cur":"EUR","len":"2 months","days":60,"reason":"Client payments were flagged","outcome":"Withdrawals remain restricted; formal complaint rejected","country":"Ireland","date":"2026-07-21","summary":"An Irish online service provider says withdrawals from a business account have been restricted for two months, leaving €3000 inaccessible. The provider flagged client payments, and a formal complaint was rejected.","src":"https://www.reddit.com/r/Revolut/comments/1v2mun9/ie_revolut_pro_account_frozen_2_months_now/","st":"public","via":"Reddit"},{"id":"1v0mpa1","p":"PayPal","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"21 days","days":21,"reason":"Account review; no more specific reason stated","outcome":"Payment on hold while the account is under review","country":"","date":"2026-07-19","summary":"A new account holder says a client payment is on hold for 21 days while the account undergoes review.","src":"https://www.reddit.com/r/buhaydigital/comments/1v0mpa1/21_days_on_hold_paypal/","st":"public","via":"Reddit"},{"id":"1uxspc0","p":"Stripe","biz":"B2B consultancy","ind":"Services/Agency","amt":"$988.41","amt_v":988.41,"cur":"USD","len":"120 days","days":120,"reason":"Unspecified automated risk signals","outcome":"Payout shorted by $620 via balance transfer; CFPB complaint active","country":"US","date":"2026-07-16","summary":"A B2B consultancy owner says Stripe permanently closed their account citing unspecified automated risk signals, held $988.41 for 120 days, then transferred $620 of it to cover a subscription charge on the closed account. A CFPB complaint is active.","src":"https://www.reddit.com/r/stripe/comments/1uxspc0/stripes_automated_billing_loop_charging_a/","st":"public","via":"Reddit"},{"id":"1uwayv0","p":"PayPal","biz":"Online bed seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"Over 30 days","days":null,"reason":"Verification of delivery; the seller says proof of delivery was submitted but not accepted by the back office.","outcome":"Funds remain held, and the seller says the business cannot pay manufacturers.","country":"","date":"2026-07-14","summary":"An online bed seller says PayPal has held business-account funds for over 30 days while reviewing delivery proof. The seller reports that the funds remain unavailable despite repeated escalations.","src":"https://www.reddit.com/r/paypal/comments/1uwayv0/paypal_business_holding_funds_refusing_to_accept/","st":"public","via":"Reddit"},{"id":"1uuky48","p":"Etsy Payments","biz":"Online shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"Months; since March","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2026-07-12","summary":"A marketplace seller says funds have been held for months despite timely delivery of orders and repeated support requests.","src":"https://www.reddit.com/r/EtsySellers/comments/1uuky48/my_funds_being_held_by_etsy_for_months/","st":"public","via":"Reddit"},{"id":"sc648099","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"11k$","amt_v":11000.0,"cur":"USD","len":"12h","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2026-07-11","summary":"A business says Shopify Payments held its payouts and deactivated its gateway after it followed support's instructions to switch accounts. They report more than 11k stuck, affecting 11 people, with no clear reason or resolution.","src":"https://community.shopify.com/t/payouts-are-on-hold-indefinitely-and-spf-wont-tell-us-why/648099","st":"public","via":"Shopify Community"},{"id":"1upq2hj","p":"Payoneer","biz":"Registered handmade-rug exporter","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"A shared home Wi-Fi connection and device were flagged as a possible duplicate-account risk","outcome":"Account remained blocked and funds frozen; the requested manual review had not occurred at the time of the post","country":"India","date":"2026-07-07","summary":"An Indian handmade-rug exporter says Payoneer blocked their account after a family member registered a separate account using the same device and home Wi-Fi. They report frozen proceeds from shipped goods and an automatic suspension of their shop.","src":"https://www.reddit.com/r/LegalAdviceIndia/comments/1upq2hj/payoneers_bot_blocked_my_msme_account_by_mistake/","st":"public","via":"Reddit"},{"id":"1upqnkv","p":"Payoneer","biz":"Small rug export business","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"A shared home Wi-Fi connection and device were flagged by the automated system","outcome":"Account remained blocked and funds frozen; a human review had not been provided at the time of the post","country":"India","date":"2026-07-07","summary":"An Indian rug exporter says Payoneer permanently blocked their account after a family member used the same device and home Wi-Fi for a separate account. The exporter reports that funds from shipped orders were frozen and income stopped.","src":"https://www.reddit.com/r/LegalAdviceIndia/comments/1upqnkv/payment_provider_payoneer_permanently_blocked_my/","st":"public","via":"Reddit"},{"id":"sc646493","p":"Shopify Payments","biz":"New online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Temporary new-account payout hold","outcome":"Payout status remained pending with no payout dates shown","country":"","date":"2026-07-07","summary":"A new online-store owner says payouts remain pending despite account verification and fulfilled orders with tracking. The dashboard showed no payout dates, and the owner was seeking guidance about the hold.","src":"https://community.shopify.com/t/new-account-payout-hold-shopify-payments-verified-orders-received-but-payout-status-still-pending-with-no-dates/646493","st":"public","via":"Shopify Community"},{"id":"1uo9ywt","p":"Revolut Business","biz":"IT company","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"23 consecutive days","days":23,"reason":"","outcome":"Funds remain frozen; company plans to file a dispute with the Bank of Lithuania","country":"Cyprus","date":"2026-07-05","summary":"A Cypriot IT company says its corporate account and operational funds have been restricted for 23 consecutive days, disrupting payroll and business payments. It reports that the issue remains unresolved despite receiving compensation for service delays.","src":"https://www.reddit.com/r/Revolut/comments/1uo9ywt/cy_unjustified_23day_corporate_account_freeze/","st":"public","via":"Reddit"},{"id":"1ul8oes","p":"Etsy Payments","biz":"Online shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"Not stated","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"US","date":"2026-07-02","summary":"A marketplace seller says a reserve was placed on their account and they have received little or none of their earnings.","src":"https://www.reddit.com/r/EtsySellers/comments/1ul8oes/etsy_has_placed_a_reserve_on_my_funds_is_this/","st":"public","via":"Reddit"},{"id":"1uhk0la","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Business category not supported","outcome":"Unresolved at time of post; switched to ACH invoicing and crypto","country":"","date":"2026-06-28","summary":"A business owner says their Stripe account was terminated without warning and funds were held, with no explanation beyond a reference to their business category. They say they moved to ACH invoicing and crypto for payment processing.","src":"https://www.reddit.com/r/smallbusiness/comments/1uhk0la/anyone_else_get_their_stripe_account_terminated/","st":"public","via":"Reddit"},{"id":"1uh69v5","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Stripe said it could no longer support the business.","outcome":"Unresolved; the poster received no answer about when the held money could be paid out.","country":"","date":"2026-06-27","summary":"A business operator says Stripe disabled account capabilities and held money after stating it could no longer support the business. The poster had not received an answer about whether or when the funds would be released.","src":"https://www.reddit.com/r/stripe/comments/1uh69v5/will_stripe_eventually_release_money_on_hold/","st":"public","via":"Reddit"},{"id":"sc639129","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Bank account update issue","outcome":"Unresolved at time of post","country":"","date":"2026-06-23","summary":"A merchant says an attempt to link a new bank account for Shopify payouts triggered a glitch and left payouts on hold. Support did not resolve the issue or follow up.","src":"https://community.shopify.com/t/shopify-payments-bank-account-update-issue-payouts-on-hold-unresolved-support/639129","st":"public","via":"Shopify Community"},{"id":"1ucjbl8","p":"Stripe","biz":"Marketplace seller of in-game items","ind":"Gaming","amt":"","amt_v":null,"cur":"","len":"14 days","days":14,"reason":"Trade reversal","outcome":"Unresolved at time of post; payout blocked because automated Stripe payouts do not support the poster's country","country":"Ukraine","date":"2026-06-22","summary":"A seller on a game-item marketplace says their account was permanently banned after a trade reversal and that the automated Stripe payout system does not support their country, leaving their balance inaccessible after a 14-day hold.","src":"https://www.reddit.com/r/ohnePixel/comments/1ucjbl8/banned_14_days_ago_on_csfloat_support_explicitly/","st":"public","via":"Reddit"},{"id":"1uaqlba","p":"Wise","biz":"UK limited-company business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Seeking a replacement business account","country":"UK","date":"2026-06-20","summary":"An EU-resident owner of a UK limited company says the provider froze funds and closed accounts without notice or explanation. They are looking for a traditional business banking alternative.","src":"https://www.reddit.com/r/digitalnomad/comments/1uaqlba/uk_ltd_non_resident_which_bank_for_business/","st":"public","via":"Reddit"},{"id":"1ua9rlf","p":"Paddle","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"2 months","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"Vietnam","date":"2026-06-19","summary":"A merchant says Paddle has not processed their first payout despite meeting the stated $100 minimum threshold and completing bank verification, with the balance above the threshold for two months.","src":"https://www.reddit.com/r/SaaS/comments/1ua9rlf/paddle_payout_not_processed_despite_meeting/","st":"public","via":"Reddit"},{"id":"1u9da4p","p":"Etsy Payments","biz":"Online shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"6 weeks","days":null,"reason":"Dispatch delays led to a reserve; tracked orders are not triggering the expected fund releases.","outcome":"Unresolved at the time of the post","country":"","date":"2026-06-18","summary":"A marketplace seller says reserved funds have not been released for tracked orders, despite delivery confirmation, and they have received no deposits since early April.","src":"https://www.reddit.com/r/EtsySellers/comments/1u9da4p/im_losing_my_mind/","st":"public","via":"Reddit"},{"id":"1u8lfmf","p":"Wise","biz":"Agency","ind":"Services/Agency","amt":"70k","amt_v":70000.0,"cur":"","len":"Over a week","days":null,"reason":"Proof of income requested","outcome":"Account remained frozen while the review was pending","country":"","date":"2026-06-17","summary":"An agency owner says Wise froze the account pending proof of income and left the funds inaccessible for over a week. The review was still unresolved at the time of the post.","src":"https://www.reddit.com/r/wisebank/comments/1u8lfmf/my_wise_account_got_frozen_with_70k_in_it/","st":"public","via":"Reddit"},{"id":"1u7kq40","p":"Etsy Payments","biz":"Online marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"45 days","days":45,"reason":"A reserve was applied, with funds held until shipment with valid tracking or until the stated period passed.","outcome":"Unresolved at the time of the post; the seller reported a zero balance and unclear fund availability.","country":"","date":"2026-06-16","summary":"An online marketplace seller says a reserve is withholding part of each sale until orders are shipped with valid tracking or the stated waiting period passes. The seller reports unclear fund availability and has not received a resolution.","src":"https://www.reddit.com/r/Etsy/comments/1u7kq40/can_someone_help_explain_this/","st":"public","via":"Reddit"},{"id":"1u68865","p":"PayPal","biz":"In-game item and virtual currency seller","ind":"Gaming","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"","outcome":"Unresolved at time of post; planning regulator complaints","country":"Philippines","date":"2026-06-15","summary":"A student in the Philippines who sells in-game items and virtual currency says PayPal permanently limited their account and held their tuition funds for 180 days despite submitted proof. They say support agents gave conflicting accounts and they planned complaints with local regulators.","src":"https://www.reddit.com/r/buhaydigital/comments/1u68865/paypal_support_caught_lying_on_record_banned_my/","st":"public","via":"Reddit"},{"id":"x2066049324031848484","p":"Payoneer","biz":"","ind":"Unknown","amt":"$610","amt_v":610.0,"cur":"USD","len":"since 26 May","days":null,"reason":"None given","outcome":"Account restored 9th June but USD disabled; agent requested 15 more days","country":"","date":"2026-06-14","summary":"A student says Payoneer froze $610 from 26 May; the account was restored on 9 June but USD remains disabled, and they say support told them to wait 15 more days without reason.","src":"https://x.com/AttaRasoolsol46/status/2066049324031848484","st":"public","via":"X"},{"id":"1u4fnzr","p":"PayPal","biz":"Online seller of physical goods","ind":"Ecommerce","amt":"800","amt_v":800.0,"cur":"USD","len":"21 days","days":21,"reason":"New account and account inactivity review","outcome":"Unresolved at time of post","country":"","date":"2026-06-13","summary":"A business account holder selling physical goods says PayPal held a transaction worth 800 after delivery, citing a $200 monthly limit and a possible 21-day freeze; they are asking how to speed up release.","src":"https://www.reddit.com/r/paypal/comments/1u4fnzr/a_bit_confused_with_holds/","st":"public","via":"Reddit"},{"id":"1u3qmpm","p":"Wise","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"more than two weeks","days":null,"reason":"Additional verification and checks with banking partner","outcome":"Moved to formal complaints process; unresolved at time of post","country":"","date":"2026-06-12","summary":"A long-time customer says funds in their Wise Business account have been inaccessible for more than two weeks after verification was completed, with support citing checks with a banking partner and the case now in the formal complaints process.","src":"https://www.reddit.com/r/wise/comments/1u3qmpm/complaint_escalation_funds_held_for_over_two/","st":"public","via":"Reddit"},{"id":"sc632269","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Issue updating bank details / account verification","outcome":"Unresolved at time of post","country":"","date":"2026-06-11","summary":"An online store owner says Shopify Payments is holding several thousand dollars of payouts after a bank-detail verification issue, despite submitting all requested documents and verifying identity. The case was escalated over ten days earlier and support reportedly gives no timeline.","src":"https://community.shopify.com/t/shopify-is-holding-my-payouts-with-no-timeline-for-resolution/632269","st":"public","via":"Shopify Community"},{"id":"1u1sgel","p":"Paddle","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Claimed ignoring of a risk review, later admitted to relate to a PayPal-to-bank-transfer transition","outcome":"Account permanently closed despite verification and a released payout","country":"","date":"2026-06-10","summary":"A merchant says Paddle abruptly closed their account for allegedly ignoring a risk review they never received, then admitted the hold was actually about a payment-method transition. After the merchant submitted documents and was told the account was verified and the payout released, Paddle still permanently closed the account.","src":"https://www.reddit.com/r/startups/comments/1u1sgel/warning_paddle_closed_my_account_after_admitting/","st":"public","via":"Reddit"},{"id":"1u1h7ct","p":"Shopify Payments","biz":"Online retailer","ind":"Ecommerce","amt":"25k","amt_v":25000.0,"cur":"","len":"120 days","days":120,"reason":"Chargebacks","outcome":"Payouts remain pending, and the expected release date is unclear.","country":"","date":"2026-06-09","summary":"An online retailer says Shopify Payments held 25k over alleged chargebacks, though the poster reports having none. The payout remains pending, with conflicting dates mentioned.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1u1h7ct/120_days_payout_hold/","st":"public","via":"Reddit"},{"id":"1u02zjg","p":"PayPal","biz":"Freelance cybersecurity tutor","ind":"Coaching/Courses","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Permanent ban","country":"","date":"2026-06-08","summary":"A freelance cybersecurity tutor says PayPal permanently banned their business account after a review required vendor and supplier documents they could not provide.","src":"https://www.reddit.com/r/paypal/comments/1u02zjg/my_account_is_limited_permanentlyhow_do_i_get_back/","st":"public","via":"Reddit"},{"id":"hn48437330","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"A new terms-of-service process required a photo ID and face scan","outcome":"Payouts were frozen pending acceptance of the updated terms","country":"","date":"2026-06-07","summary":"A business user says Stripe froze payouts while requiring acceptance of updated terms that included a photo ID and face scan. The post does not say whether payouts were restored.","src":"https://news.ycombinator.com/item?id=48437330","st":"public","via":"Hacker News"},{"id":"1ty1le6","p":"Wise","biz":"Self-employed professional","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"The poster eventually submitted an appeal; the account restriction outcome was not stated","country":"","date":"2026-06-05","summary":"A self-employed professional says Wise restricted a business account used for regular client income and scheduled its closure. They eventually obtained a working appeal link, but did not state the final account outcome.","src":"https://www.reddit.com/r/wisebank/comments/1ty1le6/wise_just_closed_my_business_account_for/","st":"public","via":"Reddit"},{"id":"1twgn52","p":"PayPal","biz":"Freelance artist selling art commissions","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"6 months","days":180,"reason":"Claimed customers were dissatisfied with the business activity","outcome":"Account banned and funds held for 6 months; unresolved at time of post","country":"","date":"2026-06-04","summary":"A freelancer taking art commissions says their account was limited and then permanently banned after their first commission, with funds locked for six months. They say the stated reason involved dissatisfied customers despite having only one happy customer who never complained.","src":"https://www.reddit.com/r/paypal/comments/1twgn52/account_ban_for_no_reason/","st":"public","via":"Reddit"},{"id":"1ttocby","p":"Wise","biz":"Freelancer providing development, virtual assistant, and sales services","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"More than 1.5 months","days":null,"reason":"Due diligence check","outcome":"Refund remained pending; Wise repeatedly requested bank details","country":"","date":"2026-06-01","summary":"A freelancer says Wise closed the personal account they used to receive freelance income after requesting proof of income. The refund remained pending for more than 1.5 months.","src":"https://www.reddit.com/r/transferwiser/comments/1ttocby/wise_closed_my_account_and_its_stuck_asking_me/","st":"public","via":"Reddit"},{"id":"1ttp9an","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"More than three weeks","days":null,"reason":"None given","outcome":"Unresolved at the time of the post","country":"US","date":"2026-06-01","summary":"A US merchant says funds remained withheld after the payment account was closed, despite being told they would be released or refunded within about five business days. The merchant says the hold had lasted more than three weeks and remained unresolved.","src":"https://www.reddit.com/r/SaaS/comments/1ttp9an/stripe/","st":"public","via":"Reddit"},{"id":"1tpxb05","p":"Revolut Business","biz":"Consultancy and investment company","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"over a month","days":null,"reason":"None given","outcome":"Complaint upheld and compensation offered, but funds remain held; complaint escalated to the Financial Ombudsman Service","country":"UK","date":"2026-05-28","summary":"A UK consultancy and investment company says its account has been frozen for over a month without an explanation. The provider upheld a complaint and offered compensation, but the business funds remained inaccessible.","src":"https://www.reddit.com/r/Revolut/comments/1tpxb05/gb_scandalous_revolut_business_has_held_my/","st":"public","via":"Reddit"},{"id":"1tpiojp","p":"Wise","biz":"Small solo business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"9 days","days":9,"reason":"Business address verification / proof of address","outcome":"Unresolved at time of post","country":"","date":"2026-05-27","summary":"A solo business owner says their Wise account was frozen immediately after they updated their address during a verification request, blocking card payments and outgoing transfers. They report no clear timeline or support response and ask how others escalated the issue.","src":"https://www.reddit.com/r/transferwiser/comments/1tpiojp/wise_froze_my_account_the_moment_i_completed/","st":"public","via":"Reddit"},{"id":"1togv6t","p":"PayPal","biz":"Made-to-order merchandise / pre-order business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Requested proof of order fulfillment after a spike in transactions from a pre-order launch","outcome":"Unresolved at time of post","country":"","date":"2026-05-26","summary":"A seller running a pre-order merchandise drop says their account was limited after a surge in transactions and the provider demanded proof of fulfillment that cannot exist before production. They ask how to satisfy the requirement given goods are made only after the order window closes.","src":"https://www.reddit.com/r/paypal/comments/1togv6t/paypal_limited_my_account_mid_preorder_how_do_i/","st":"public","via":"Reddit"},{"id":"1tmuo7s","p":"Revolut Business","biz":"Regulated financial company","ind":"Crypto/Fintech","amt":"€55,000","amt_v":55000.0,"cur":"EUR","len":"over the last few days","days":null,"reason":"Automated compliance review of a cross-border investment","outcome":"Complaint rejected; transaction remains held pending the review period","country":"Switzerland","date":"2026-05-25","summary":"A Swiss financial company says a €55,000 investment from a business partner is being held during a compliance review. Its complaint was rejected, and the provider declined to review supporting documents at that time.","src":"https://www.reddit.com/r/Revolut/comments/1tmuo7s/ch_revolut_business_is_actively_damaging_my/","st":"public","via":"Reddit"},{"id":"x2058910964859228260","p":"PayPal","biz":"Online creator","ind":"Creator/Digital products","amt":"$2,112","amt_v":2112.0,"cur":"USD","len":"","days":null,"reason":"The name on the payment account did not match the platform's records.","outcome":"","country":"","date":"2026-05-25","summary":"A creator says a payout was frozen in their payment account because the account name did not match the platform's records.","src":"https://x.com/TrunksInu/status/2058910964859228260","st":"public","via":"X"},{"id":"1tkz26x","p":"Stripe","biz":"","ind":"Unknown","amt":"$1,459.75","amt_v":1459.75,"cur":"USD","len":"almost one year","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"US","date":"2026-05-22","summary":"A US business owner says Stripe closed their account in May 2025 with a $1,459.75 balance, that only one $153 refund was processed and two $843 payments remain unrefunded. They say nearly a year of follow-ups has produced only repetitive responses and no resolution.","src":"https://www.reddit.com/r/legaladvice/comments/1tkz26x/extremely_disappointed_with_stripe_holding/","st":"public","via":"Reddit"},{"id":"1tjs1t2","p":"Stripe","biz":"Small software business","ind":"SaaS/Software","amt":"$3,638.76","amt_v":3638.76,"cur":"USD","len":"6 months","days":180,"reason":"","outcome":"Unresolved; the funds remained frozen while the merchant pursued arbitration and filed complaints.","country":"US","date":"2026-05-21","summary":"A New York software business owner says the provider closed the account and froze $3,638.76 in a reserve despite previously giving a release date. The owner says the funds remained locked and had begun arbitration and regulatory complaints.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1tjs1t2/stripe_lied_in_writing_about_my_payout_froze_my/","st":"public","via":"Reddit"},{"id":"1thl6fo","p":"Etsy Payments","biz":"Online shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Eight orders lacked tracking information, although they were delivered locally or picked up.","outcome":"Unresolved; support reportedly said it was a system issue and could not fix it.","country":"","date":"2026-05-19","summary":"An online seller says Etsy Payments placed the shop on a payment reserve after locally delivered or picked-up orders had no tracking information. The seller says support could not resolve the issue.","src":"https://www.reddit.com/r/EtsySellers/comments/1thl6fo/payment_reserve_because_of_local_delivery_or/","st":"public","via":"Reddit"},{"id":"1tf22vr","p":"PayPal","biz":"Web design / freelance web developer","ind":"Services/Agency","amt":"$1,000","amt_v":1000.0,"cur":"USD","len":"almost 6 months","days":180,"reason":"Information used to create the account could not be verified","outcome":"Resolved quickly after complaints filed with a state attorney general and the BBB","country":"US","date":"2026-05-16","summary":"A US-based web designer says their long-standing business account was limited after a large client payment, then permanently banned with about $1,000 frozen for up to six months. They say the issue was resolved within minutes after filing complaints with regulators.","src":"https://www.reddit.com/r/paypal/comments/1tf22vr/account_closure_restoration_funds_frozen/","st":"public","via":"Reddit"},{"id":"x2055586725099905261","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"2 days","days":null,"reason":"No clear reason provided","outcome":"Unresolved at time of post","country":"","date":"2026-05-16","summary":"An online seller says their account was suspended and payouts frozen without a clear reason. They submitted an appeal with documentation.","src":"https://x.com/iamrooddes/status/2055586725099905261","st":"public","via":"X"},{"id":"1tbnpm6","p":"Paddle","biz":"SaaS business","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"minimum of 90 days","days":90,"reason":"Paddle cited a risk review and claimed the business had not responded to outreach; the poster says no outreach was received.","outcome":"Account closed and payouts held for at least 90 days, with possible extensions tied to chargebacks.","country":"","date":"2026-05-13","summary":"A SaaS founder says Paddle closed the business account and held its remaining payouts after a risk review. The founder disputes the claim that the business failed to respond to outreach.","src":"https://www.reddit.com/r/SaaS/comments/1tbnpm6/warning_paddle_just_closed_my_account_with_zero/","st":"public","via":"Reddit"},{"id":"1t75q8k","p":"eBay","biz":"Online seller of linen tablecloths","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"~2 months","days":60,"reason":"The manually entered carrier tracking had not updated to delivered in the platforms' systems.","outcome":"Unresolved at time of post; support advised waiting for automatic payout release on eBay, while the other payout remained held.","country":"Bulgaria","date":"2026-05-08","summary":"A Bulgarian marketplace seller says payouts for two delivered orders remained held because the platforms still showed the shipments as in transit. Support advised waiting about two months for one payout, and the seller was still seeking help with both.","src":"https://www.reddit.com/r/Ebay/comments/1t75q8k/etsy_ebay_holding_my_funds_even_though_both/","st":"public","via":"Reddit"},{"id":"1t6ayhx","p":"Meta Pay","biz":"Marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"An SSN verification entry returned an error saying it did not match the previously submitted information.","outcome":"Unresolved; support had not responded, and the payout remained held.","country":"US","date":"2026-05-07","summary":"A United States marketplace seller says payouts were suspended while an SSN verification error remained unresolved. Support had not responded, and the held payout was described as a large sum.","src":"https://www.reddit.com/r/FacebookMarketplace/comments/1t6ayhx/payout_held_can_i_refund_the_buyer/","st":"public","via":"Reddit"},{"id":"1t6lhhi","p":"Revolut Business","biz":"Luxury travel agency","ind":"Travel","amt":"$50K+","amt_v":50000.0,"cur":"USD","len":"a few weeks","days":null,"reason":"Revolut requested additional documentation as part of an internal risk review.","outcome":"Unresolved at the time of the post; the agency was preparing a formal complaint.","country":"Spain","date":"2026-05-07","summary":"A Spanish luxury travel agency says Revolut Business restricted its account and froze more than $50K in funds during an internal review. The agency says the review remained unresolved despite submitting documentation.","src":"https://www.reddit.com/r/Revolut/comments/1t6lhhi/es_revolut_business_has_frozen_our_funds_in_an/","st":"public","via":"Reddit"},{"id":"1t5j8c4","p":"Stripe","biz":"","ind":"Unknown","amt":"tens of thousands of dollars","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Reserve funds held with no payout date","country":"","date":"2026-05-06","summary":"A business operator says a payment reserve is holding tens of thousands of dollars with no payout date.","src":"https://www.reddit.com/r/stripe/comments/1t5j8c4/customer_support_software_most_like_stripes/","st":"public","via":"Reddit"},{"id":"1t2ybd8","p":"Mercury","biz":"LLC","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The nature of the account activity","outcome":"The remaining balance was scheduled to be sent by paper check","country":"","date":"2026-05-03","summary":"A business account holder says their account was closed and dashboard access restricted, with pending payouts and company funds affected. The provider said the remaining balance would be sent by paper check.","src":"https://www.reddit.com/r/mercurybank/comments/1t2ybd8/mercury_closed_my_llc_account_without_explanation/","st":"public","via":"Reddit"},{"id":"1t1gya1","p":"PayPal","biz":"Freelance video editor","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Account review after first transaction; requested business documentation","outcome":"Under review at time of post","country":"","date":"2026-05-02","summary":"A freelance video editor says their business account was limited and sent for review immediately after their first client payment. They note the account was registered under a non-legal name and ask whether that triggered the review.","src":"https://www.reddit.com/r/paypal/comments/1t1gya1/paypal_limited_my_account_on_my_very_first/","st":"public","via":"Reddit"},{"id":"1t0kpq5","p":"Etsy Payments","biz":"New online shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"14-day hold and 45-day reserve","days":null,"reason":"Shipment tracking is not updating on the platform, so shipped orders remain subject to the reserve.","outcome":"Unresolved at the time of the post","country":"","date":"2026-05-01","summary":"A new marketplace seller says funds are subject to a new-shop hold and reserve because the platform's tracking status has not updated for delivered shipments.","src":"https://www.reddit.com/r/EtsySellers/comments/1t0kpq5/canada_post_shipments_not_updating_correctly/","st":"public","via":"Reddit"},{"id":"1sz4twp","p":"Wise","biz":"US LLC","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"10 days","days":10,"reason":"None given","outcome":"Funds recovered after about 10 days","country":"US","date":"2026-04-29","summary":"The owner of a US LLC says their Wise business account was suspended shortly after they started an application for another account, and an appeal was rejected. The funds were returned about 10 days later.","src":"https://www.reddit.com/r/transferwiser/comments/1sz4twp/us_business_wise_account_suspended_funds_recovered/","st":"public","via":"Reddit"},{"id":"1sutgp3","p":"PayPal","biz":"Freelance digital illustrator","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Requested ID and proof of delivery, supplier purchase, and explanation of business and account activity","outcome":"Unresolved at time of post","country":"","date":"2026-04-24","summary":"A digital illustrator says their account was limited twice around incoming payments for illustration work and they were asked to provide delivery and supplier proof that does not apply to digital services. They ask for guidance on how to respond.","src":"https://www.reddit.com/r/paypal/comments/1sutgp3/digital_artist_here_paypal_limited_my_account_and/","st":"public","via":"Reddit"},{"id":"1stcagg","p":"Etsy Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"45 days","days":45,"reason":"No tracking number","outcome":"Unresolved at time of post","country":"","date":"2026-04-23","summary":"A relatively new Etsy seller says a reserve appeared on their account without funds actually being held, and support told them a local order without tracking would not be paid for 45 days. They ask whether the reserve is real and how to handle the nearby order.","src":"https://www.reddit.com/r/EtsySellers/comments/1stcagg/reserve_on_account_but_not_really/","st":"public","via":"Reddit"},{"id":"1st7dei","p":"PayPal","biz":"Photography services","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"6 days","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-04-23","summary":"An Asia-based freelance photographer says PayPal put a client’s deposit on hold for six days.","src":"https://www.reddit.com/r/paypal/comments/1st7dei/normal_for_paypal_to_hold/","st":"public","via":"Reddit"},{"id":"1ssjy5m","p":"Wise","biz":"Business run by a digital nomad","ind":"Unknown","amt":"$68,000 USD","amt_v":68000.0,"cur":"USD","len":"Nearly 5 months; nearly 6 months until funds were received","days":null,"reason":"Internal checks; no specific explanation was provided.","outcome":"Funds were received by the end of May, nearly 6 months after the account was closed.","country":"","date":"2026-04-22","summary":"A digital nomad says their business account was closed and about $68,000 was held during internal checks, disrupting their business. They later received the funds after nearly six months.","src":"https://www.reddit.com/r/digitalnomad/comments/1ssjy5m/warning_wise_froze_68k_and_closed_my_account_5/","st":"public","via":"Reddit"},{"id":"1srrpq4","p":"Mercury","biz":"IT services business","ind":"Services/Agency","amt":"$200K+","amt_v":200000.0,"cur":"USD","len":"7 days","days":7,"reason":"None given","outcome":"Unresolved at the time of the post; business account remained restricted and funds frozen.","country":"US","date":"2026-04-21","summary":"A US IT services business says its account was restricted after it requested cancellation of an outgoing wire, leaving more than $200,000 frozen and incoming payments rejected. The issue remained unresolved after a week.","src":"https://www.reddit.com/r/smallbusiness/comments/1srrpq4/my_horror_story_with_mercury_bank/","st":"public","via":"Reddit"},{"id":"1sqfvjr","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"a little over 10k","amt_v":null,"cur":"","len":"Until the 31st of July","days":null,"reason":"","outcome":"Unresolved at time of post; the poster asks whether the payout can be released early.","country":"","date":"2026-04-20","summary":"An online store owner says payouts have been disabled and a little over 10k of revenue is being held until the end of July. The poster says they have not been able to access the money and is seeking an early release.","src":"https://www.reddit.com/r/shopify/comments/1sqfvjr/has_anyone_been_able_to_get_held_payouts_early/","st":"public","via":"Reddit"},{"id":"1sq6gom","p":"eBay","biz":"Marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post; seller is seeking to qualify for daily payouts.","country":"","date":"2026-04-19","summary":"An eBay seller asks how to determine when the account will leave a payment reserve and become eligible for daily payouts.","src":"https://www.reddit.com/r/Flipping/comments/1sq6gom/when_do_i_get_off_my_ebay_payment_reserve_to/","st":"public","via":"Reddit"},{"id":"1sm2ala","p":"Stripe","biz":"Equipment and trailer rental business","ind":"Other","amt":"$8,916.04","amt_v":8916.04,"cur":"USD","len":"over 2 years","days":null,"reason":"Risk and authorization concerns","outcome":"Funds were released shortly after the business escalated the issue.","country":"","date":"2026-04-15","summary":"A small equipment and trailer rental business says Stripe held its funds for over two years amid risk and authorization concerns. The funds were released after the business escalated the issue.","src":"https://www.reddit.com/r/smallbusiness/comments/1sm2ala/stripe_held_my_funds_i_got_it_released_after_2/","st":"public","via":"Reddit"},{"id":"1sllpq0","p":"PayPal","biz":"Artist selling sketches","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"PayPal said the account was subject to new-seller requirements and requested business documents.","outcome":"Funds remained on hold; the poster was seeking a way to access them","country":"","date":"2026-04-14","summary":"An artist who sells sketches says PayPal held money sent to their business account and requested legal documents.","src":"https://www.reddit.com/r/paypal/comments/1sllpq0/money_on_hold_what_do_i_do/","st":"public","via":"Reddit"},{"id":"sc607717","p":"Shopify Payments","biz":"Online store selling made-to-order items","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"21 days","days":21,"reason":"New store security policy","outcome":"Unresolved at time of post","country":"","date":"2026-04-14","summary":"A made-to-order online store owner says their first Shopify Payments payout was held for 21 days due to what they understand is a new-store security policy, and they ask how to speed up the process.","src":"https://community.shopify.com/t/21-day-hold-out-on-the-payouts/607717","st":"public","via":"Shopify Community"},{"id":"1sju09u","p":"Google Pay","biz":"App developer","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"up to 35 days","days":35,"reason":"Payout review","outcome":"Unresolved at time of post","country":"","date":"2026-04-12","summary":"An app developer says a payout for a billing cycle was placed on hold while the provider reviewed it, with a wait of up to 35 days stated.","src":"https://www.reddit.com/r/GooglePlayDeveloper/comments/1sju09u/this_is_scary_has_anyone_got_google_payments_your/","st":"public","via":"Reddit"},{"id":"1shu7c3","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Using Stripe instead; sales dropped","country":"","date":"2026-04-10","summary":"A merchant says Shopify Payments was shut down on their store and that sales have since dropped. They are now using Stripe and speculate about whether Shopify favors stores using its own payments.","src":"https://www.reddit.com/r/dropshipping/comments/1shu7c3/wondering_if_someone_else_is_experiencing_the/","st":"public","via":"Reddit"},{"id":"sc607018","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2026-04-09","summary":"A merchant reports that payouts have been on hold for an extended period despite submitting all requested documents, with no timeline or explanation provided and support advising them not to follow up. The poster says business operations are effectively paused and funds are being held without transparency.","src":"https://community.shopify.com/t/payout-on-hold-with-no-response-from-shopify-support/607018","st":"public","via":"Shopify Community"},{"id":"1sdqj3l","p":"Whop","biz":"Online seller of services or products","ind":"Creator/Digital products","amt":"$13,200 USD","amt_v":13200.0,"cur":"USD","len":"around 120 days","days":120,"reason":"Fraudulent activity","outcome":"Account suspended and payout denied; funds remain withheld","country":"","date":"2026-04-06","summary":"A seller says around $13,200 was held for around 120 days before the account was suspended for alleged fraudulent activity. The appeal was denied and the funds remain unavailable.","src":"https://www.reddit.com/r/whop/comments/1sdqj3l/whop_withheld_13200_usd_for_120_days_at_day_100/","st":"public","via":"Reddit"},{"id":"x2041111170921472365","p":"Stripe","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Funds frozen and refunds disabled; unresolved at time of post","country":"","date":"2026-04-06","summary":"A company that says it fulfilled its orders reports that its payment account was terminated, funds were frozen, and it could no longer issue customer refunds.","src":"https://x.com/BoymirzaevB/status/2041111170921472365","st":"public","via":"X"},{"id":"1sd15da","p":"WooPayments","biz":"Handmade metal art business","ind":"Ecommerce","amt":"~€2,200","amt_v":2200.0,"cur":"EUR","len":"nearly 8 months","days":240,"reason":"The provider said the business needed to build up a payment history.","outcome":"Funds remained inaccessible with no resolution reported.","country":"","date":"2026-04-05","summary":"A handmade metal-art seller says the provider suspended payouts after a surge in orders and continued holding about €2,200 for nearly eight months. The seller says the provider asked for more payment history but gave no specific target or timeline.","src":"https://www.reddit.com/r/woocommerce/comments/1sd15da/woopayments_held_2200_of_my_money_for_8_months/","st":"public","via":"Reddit"},{"id":"1samgg7","p":"Stripe","biz":"Software services provider","ind":"SaaS/Software","amt":"$3.5k or so","amt_v":3500.0,"cur":"USD","len":"","days":null,"reason":"The account was deemed high risk.","outcome":"The account was closed, and the remaining payment was not made available; other invoices were refunded.","country":"UAE","date":"2026-04-02","summary":"A software services business registered in the UAE says its account was suspended after clients paid several invoices. The provider cited high risk, refunded most invoices, and did not make the remaining roughly $3,500 available.","src":"https://www.reddit.com/r/SaaS/comments/1samgg7/stripe_suspended_my_uae_business_account_and_is/","st":"public","via":"Reddit"},{"id":"1s9bap9","p":"Stripe","biz":"","ind":"Unknown","amt":"$988.41","amt_v":988.41,"cur":"USD","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2026-04-01","summary":"A Stripe account holder says the account was terminated while a $988.41 reserve remained on the ledger. They say support requires account authentication, which they cannot complete because the account is closed.","src":"https://www.reddit.com/r/fintech/comments/1s9bap9/the_zombie_ledger_problem_stripes_architectural/","st":"public","via":"Reddit"},{"id":"1s7fssy","p":"PayPal","biz":"Crochet maker","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"21 days","days":21,"reason":"The poster says the account is new; PayPal’s message also mentions possible refund requests","outcome":"Payment remained on hold at the time of the post","country":"","date":"2026-03-30","summary":"A crochet maker says payment for a first international order is on hold in a new account. They have not yet confirmed when the funds will be released.","src":"https://www.reddit.com/r/paypal/comments/1s7fssy/doubt_about_paypal_holding_my_funds/","st":"public","via":"Reddit"},{"id":"hn47571243","p":"Stripe","biz":"","ind":"Unknown","amt":"$85k","amt_v":85000.0,"cur":"USD","len":"","days":null,"reason":"Funds stated as not being made available and intent to refund all customers","outcome":"Unresolved at time of post","country":"EU","date":"2026-03-30","summary":"An EU-based platform says Stripe withheld $85k and told them in writing the funds would not be made available, while also planning to refund all customers, which the poster argues is a reversal rather than a temporary hold.","src":"https://news.ycombinator.com/item?id=47571243","st":"public","via":"Hacker News"},{"id":"1s7y9hq","p":"Revolut Business","biz":"Online business","ind":"Ecommerce","amt":"around €200,000","amt_v":200000.0,"cur":"EUR","len":"","days":null,"reason":"","outcome":"Business accounts remain restricted and funds frozen; personal accounts were closed","country":"","date":"2026-03-30","summary":"A business owner says about €200,000 in business accounts is frozen, preventing payments to employees and suppliers and receipt of client payments. No reason or resolution is reported.","src":"https://www.reddit.com/r/Revolut/comments/1s7y9hq/na_revolut_is_closing_my_accounts_freezing_200k/","st":"public","via":"Reddit"},{"id":"hn47565502","p":"Stripe","biz":"AI video and image generation platform","ind":"SaaS/Software","amt":"803,043 SEK (~$85,000 USD)","amt_v":803043.0,"cur":"SEK","len":"","days":null,"reason":"unacceptable level of risk","outcome":"Account closed permanently; funds withheld; appeal and regulatory complaints underway; unresolved at time of post.","country":"Sweden","date":"2026-03-29","summary":"A Sweden-based AI video and image generation platform says Stripe closed its account after a volume spike and is withholding 803,043 SEK (~$85,000), citing unacceptable risk; the founder is appealing and contacting regulators.","src":"https://news.ycombinator.com/item?id=47565502","st":"public","via":"Hacker News"},{"id":"1s66gfp","p":"Shopify Payments","biz":"Online store selling Bible products for children","ind":"Ecommerce","amt":"about $3,500; $1,542.96 remained blocked","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"","outcome":"Part of the funds were released, but $1,542.96 remained inaccessible; complaints were filed.","country":"","date":"2026-03-28","summary":"An online seller of Bible products for children says a 120-day hold was lifted and some funds were paid out, but $1,542.96 remained restricted in its balance account. The seller says support gave inconsistent explanations and filed complaints.","src":"https://www.reddit.com/r/shopify/comments/1s66gfp/shopify_held_about_3500_released_part_of_it_but/","st":"public","via":"Reddit"},{"id":"1s61glq","p":"Revolut Business","biz":"IT services company","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"1 to 9 calendar days (updates expected)","days":null,"reason":"","outcome":"Merchant account permanently closed; main business account remained restricted and funds inaccessible","country":"","date":"2026-03-28","summary":"An IT services company says Revolut permanently closed its merchant account after reviewing documents, then restricted the main business account and froze operating funds. The account status remained unresolved at the time of the post.","src":"https://www.reddit.com/r/Revolut/comments/1s61glq/gb_revolut_business_closed_my_merchant_account/","st":"public","via":"Reddit"},{"id":"1s5z8be","p":"PayPal","biz":"Freelancer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"21 days","days":21,"reason":"","outcome":"Unresolved at time of post","country":"Philippines","date":"2026-03-28","summary":"A Philippines-based freelancer says a first client payment received through PayPal was held for 21 days and asks whether it will be released on schedule.","src":"https://www.reddit.com/r/buhaydigital/comments/1s5z8be/my_paypal_money_hold_for_21_days/","st":"public","via":"Reddit"},{"id":"1s2ajas","p":"PayPal","biz":"Bag reseller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"21 days","days":21,"reason":"New account limitations review","outcome":"Unresolved at time of post","country":"","date":"2026-03-24","summary":"A bag reseller says PayPal held a client payment for 21 days and placed their new account under review for limitations; they are asking how to speed up the review and release.","src":"https://www.reddit.com/r/paypal/comments/1s2ajas/limitations_review_and_21_days_hold/","st":"public","via":"Reddit"},{"id":"1s2mfii","p":"PayPal","biz":"Seller of virtual game items","ind":"Gaming","amt":"900$ - 49K PHP","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Account banned after identity documents were submitted; access to the received money remains unresolved","country":"Philippines","date":"2026-03-24","summary":"A virtual game-item seller says a payment of 900 dollars, also stated as 49,000 Philippine pesos, was followed by a restriction on accessing the funds and then an account ban.","src":"https://www.reddit.com/r/paypal/comments/1s2mfii/account_permanently_limited/","st":"public","via":"Reddit"},{"id":"1rzvfkb","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Switched to Stripe after Shopify Payments was disabled","country":"US","date":"2026-03-21","summary":"A non-US founder with a US LLC says Shopify Payments was disabled, and after trying other providers they opened a Stripe account and connected it to their Shopify store to keep accepting payments.","src":"https://www.reddit.com/r/dropshipping/comments/1rzvfkb/if_shopify_payments_got_disabled_and_you_have_a/","st":"public","via":"Reddit"},{"id":"1rys2ku","p":"Wise","biz":"Freelancer","ind":"Freelance","amt":"about $45,000","amt_v":45000.0,"cur":"USD","len":"","days":null,"reason":"Transaction flagged as suspicious by Wise's AML system","outcome":"Transfer refunded to the client, who then paid the poster directly to their bank","country":"","date":"2026-03-20","summary":"A freelancer says Wise restricted and closed their account when a client payout of about $45,000 was due, and Wise initially reported no record of the transfer. Wise later said the transaction was flagged as suspicious and refunded it to the client, who paid the freelancer directly.","src":"https://www.reddit.com/r/digitalnomad/comments/1rys2ku/wise_closed_my_account_and_is_holding_45000/","st":"public","via":"Reddit"},{"id":"1rxrzs7","p":"Gumroad","biz":"Digital product seller","ind":"Creator/Digital products","amt":"$12","amt_v":12.0,"cur":"USD","len":"7 months","days":210,"reason":"","outcome":"Unresolved; attempts to contact customer service had not helped.","country":"","date":"2026-03-19","summary":"A digital-product seller says a $12 payout had been held for seven months despite a verified account. The seller had contacted customer service without resolving the issue.","src":"https://www.reddit.com/r/passive_income/comments/1rxrzs7/gumroad_holding_on_to_a_payout_like_it_will_lead/","st":"public","via":"Reddit"},{"id":"1rxkgqu","p":"Whop","biz":"Digital education program","ind":"Coaching/Courses","amt":"$1,471.56","amt_v":1471.56,"cur":"USD","len":"120 days","days":120,"reason":"Higher risk activity","outcome":"Funds remain held; the provider refused further appeals or communications about the account.","country":"","date":"2026-03-18","summary":"A digital education seller says Whop held a $1,471.56 balance for 120 days after approving a compliance audit. The provider cited higher risk activity and declined further appeals.","src":"https://www.reddit.com/r/whop/comments/1rxkgqu/whop_held_1471_for_120_days_with_no_explanation/","st":"public","via":"Reddit"},{"id":"1rx2rcn","p":"PayPal","biz":"Freelance motion designer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"Risk classification","outcome":"Account restored after a BBB complaint and appeal","country":"","date":"2026-03-18","summary":"A freelance motion designer says PayPal permanently limited their business account used for client payments and held funds for 180 days. They say the account was restored after persistent escalation, including a complaint to the BBB.","src":"https://www.reddit.com/r/paypal/comments/1rx2rcn/paypal_permanently_limited_issue_need_help/","st":"public","via":"Reddit"},{"id":"1rwl545","p":"Etsy Payments","biz":"Vintage jewelry seller","ind":"Ecommerce","amt":"$35","amt_v":35.0,"cur":"USD","len":"90 days","days":90,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2026-03-17","summary":"A vintage jewelry seller says their account was limited and funds from a sale were held for 90 days after they reported another shop.","src":"https://www.reddit.com/r/EtsySellers/comments/1rwl545/vengeful_for_reporting/","st":"public","via":"Reddit"},{"id":"1rtmu03","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"","outcome":"A payout was initiated and was expected to arrive the next day.","country":"","date":"2026-03-14","summary":"A Stripe account holder says a 120-day hold had ended, but payouts were still paused. After contacting support and escalating, the holder saw a payout initiated but had not yet confirmed receipt.","src":"https://www.reddit.com/r/stripe/comments/1rtmu03/120day_hold_was_lifted_no_payout_yet_will_i_still/","st":"public","via":"Reddit"},{"id":"1rs8ox2","p":"Shopify Payments","biz":"Dropshipping store selling a home/assistive product","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Not legitimate commerce practice","outcome":"Store terminated; appeal submitted; a second store was terminated right after applying for Shopify Payments","country":"","date":"2026-03-13","summary":"A dropshipping store owner says Shopify terminated their store for 'not legitimate commerce practice' and that a second, reactivated store was terminated immediately after they submitted Shopify Payments information. They say identity, business and supplier documentation were provided and they are unsure whether they are permanently barred from Shopify Payments.","src":"https://www.reddit.com/r/dropshipping/comments/1rs8ox2/shopify_keeps_terminating_my_stores_after_i_try/","st":"public","via":"Reddit"},{"id":"1rqtc88","p":"Stripe","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider classified the business as high risk after disputes on suspicious transactions.","outcome":"Funds were moved from available balance to a risk reserve after a complaint; no release is reported.","country":"","date":"2026-03-11","summary":"An online retailer says the provider restricted the account and held funds unrelated to several disputed transactions. After the retailer filed a complaint, the funds were moved into a risk reserve.","src":"https://www.reddit.com/r/stripe/comments/1rqtc88/experience_with_stripe_handling_suspected_fraud/","st":"public","via":"Reddit"},{"id":"1rqwxz8","p":"Shopify Payments","biz":"Shopify store run via a US LLC","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Business lacks enough physical presence in a supported region","outcome":"Shopify Payments disabled; poster seeking an alternative credit card processor","country":"","date":"2026-03-11","summary":"A merchant running a Shopify store through a US LLC says Shopify Payments was disabled because the business lacked sufficient physical presence in a supported region. They are looking for an alternative card processor for US and EU customers.","src":"https://www.reddit.com/r/dropshipping/comments/1rqwxz8/shopify_payments_got_disabled/","st":"public","via":"Reddit"},{"id":"1rq3ejb","p":"Shopify Payments","biz":"Shopify ecommerce store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Accounts disabled; poster seeking alternative processors","country":"Morocco","date":"2026-03-10","summary":"A merchant based in Morocco with a US LLC says Shopify Payments and Stripe were disabled on their new international ecommerce store. They report that most alternative processors are rejecting their applications.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1rq3ejb/need_help_stripe_and_shopify_payments_closed_my/","st":"public","via":"Reddit"},{"id":"x2029577927415988228","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"$50,000","amt_v":50000.0,"cur":"USD","len":"","days":null,"reason":"","outcome":"Account reinstated","country":"","date":"2026-03-05","summary":"A Shopify merchant had $50,000 on hold after their payment account was disabled. The account was reinstated after risk signals were addressed.","src":"https://x.com/JoelEmmanuelweb/status/2029577927415988228","st":"public","via":"X"},{"id":"1rkn6ku","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Deactivated; poster moved to a third-party payment processor","country":"","date":"2026-03-04","summary":"A merchant says their Shopify Payments account was deactivated and that they have begun working with a third-party payment provider that offers an integration.","src":"https://www.reddit.com/r/shopify_geeks/comments/1rkn6ku/shopify_payments_terminated/","st":"public","via":"Reddit"},{"id":"1rfojzt","p":"PayPal","biz":"Individual selling a musical instrument","ind":"Other","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"Email cited account opened while underage; poster disputes; later reason unclear","outcome":"Account un-deactivated via live chat after repeated contact and BBB complaint","country":"","date":"2026-02-26","summary":"An individual who sold a musical instrument says PayPal deactivated the account and held the proceeds for 180 days. After repeated calls, chats, emails, and a BBB complaint, the account was un-deactivated via live chat, though the stated reason remained unclear.","src":"https://www.reddit.com/r/paypal/comments/1rfojzt/account_un_permanently_deactivated_heres_what_i/","st":"public","via":"Reddit"},{"id":"hn47126020","p":"Stripe","biz":"Nonprofit fundraising organization","ind":"Nonprofit","amt":"$13,557.28","amt_v":13557.28,"cur":"USD","len":"","days":null,"reason":"","outcome":"Account closed; funds withheld and a pending payout blocked","country":"US","date":"2026-02-23","summary":"A US nonprofit says its payment account was closed, with $13,557.28 withheld or blocked from payout. The organization says it received only automated responses.","src":"https://news.ycombinator.com/item?id=47126020","st":"public","via":"Hacker News"},{"id":"hn47096852","p":"Stripe","biz":"Nonprofit organization","ind":"Nonprofit","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Unauthorized charges","outcome":"Account closure disputed as a system error; unresolved","country":"US","date":"2026-02-21","summary":"A U.S. nonprofit says Stripe closed its account after identity verification and disputes the provider's unauthorized-charge explanation. The poster describes the decision as a system error and says support has not addressed its evidence.","src":"https://news.ycombinator.com/item?id=47096852","st":"public","via":"Hacker News"},{"id":"1r9iks1","p":"Maverick Payments","biz":"Digital education business","ind":"Coaching/Courses","amt":"$22K+","amt_v":22000.0,"cur":"USD","len":"","days":null,"reason":"A higher-ticket transaction outside the approved range triggered a risk review.","outcome":"The processor said it was keeping the funds; the hold was unresolved at the time of the post.","country":"US","date":"2026-02-20","summary":"A US digital education business says its processor froze more than $22K in settled payments after a transaction exceeded its approved range. The business says the products had been delivered and there were no open disputes.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1r9iks1/warning_maverick_payments_zen_payments_held_22k/","st":"public","via":"Reddit"},{"id":"hn47095657","p":"Stripe","biz":"Nonprofit organization","ind":"Nonprofit","amt":"$5,398.92","amt_v":5398.92,"cur":"USD","len":"","days":null,"reason":"High volume of unauthorized charges","outcome":"Unresolved; funds remained held","country":"","date":"2026-02-20","summary":"A nonprofit says Stripe closed its account and is holding $5,398.92 in donation funds. Stripe cited unauthorized charges, which the poster disputes based on its transaction records.","src":"https://news.ycombinator.com/item?id=47095657","st":"public","via":"Hacker News"},{"id":"1ra31am","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Account closure and customer refunds scheduled; funds to be withheld","country":"","date":"2026-02-20","summary":"A business account holder says Stripe notified them that the account would be closed and customers refunded within five days. Stripe also said the remaining money would be withheld.","src":"https://www.reddit.com/r/stripe/comments/1ra31am/account_closure_questions_about_refundbalance/","st":"public","via":"Reddit"},{"id":"1r6tabb","p":"Paddle","biz":"","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"First payment requiring additional standard checks","outcome":"Payout eventually received after outside intervention; support never followed up","country":"","date":"2026-02-17","summary":"A SaaS vendor reports that Paddle put their first payout on hold for unexplained reasons and that support did not follow up despite repeated emails. The payout was eventually released after about ten days through outside intervention, though the seller's support contact never responded.","src":"https://www.reddit.com/r/SaaS/comments/1r6tabb/paddle_withholds_vendorssellers_payouts_for/","st":"public","via":"Reddit"},{"id":"1r5h9by","p":"Revolut Business","biz":"","ind":"Unknown","amt":"£39,640","amt_v":39640.0,"cur":"GBP","len":"over 6 months","days":null,"reason":"Account review","outcome":"Funds remained frozen with no resolution at the time of the post","country":"UK","date":"2026-02-15","summary":"A UK business account holder says their account was frozen during a review, leaving £39,640 inaccessible. They report receiving no resolution despite repeated contact and a formal complaint.","src":"https://www.reddit.com/r/Revolut/comments/1r5h9by/gb_business_account_frozen_for_over_6_months/","st":"public","via":"Reddit"},{"id":"1r453tx","p":"Etsy Payments","biz":"Handmade jewelry and accessories seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"90 days","days":90,"reason":"The 90-day period was tied to the seller’s first sale","outcome":"Reserve remained in place; the seller was seeking clarification","country":"","date":"2026-02-13","summary":"A new handmade jewelry and accessories seller says their funds were reserved, with support stating that a 90-day period began on the date of their first sale.","src":"https://www.reddit.com/r/EtsySellers/comments/1r453tx/new_seller_fund_holds/","st":"public","via":"Reddit"},{"id":"1r3zswm","p":"PayPal","biz":"Freelancer","ind":"Freelance","amt":"2500 USD","amt_v":2500.0,"cur":"USD","len":"","days":null,"reason":"The provider required business information.","outcome":"Unresolved; the poster asks whether the money will be released.","country":"","date":"2026-02-13","summary":"A freelancer says a payment was held while the provider required business information they did not have.","src":"https://www.reddit.com/r/paypal/comments/1r3zswm/paypal_is_requiring_me_to_send_my_business_info/","st":"public","via":"Reddit"},{"id":"1r3c5kh","p":"Etsy Payments","biz":"Vintage housewares seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"14 days","days":14,"reason":"","outcome":"Some funds remained unavailable, limiting business cash flow","country":"","date":"2026-02-13","summary":"A vintage housewares seller says funds were delayed by a 14-day hold and a reserve, leaving money unavailable for business growth.","src":"https://www.reddit.com/r/EtsySellers/comments/1r3c5kh/fourteen_day_hold_is_tough/","st":"public","via":"Reddit"},{"id":"hn46985510","p":"Stripe","biz":"Merchant","ind":"Unknown","amt":"HKD 93,397 / ~$12k USD","amt_v":93397.0,"cur":"HKD","len":"Two years","days":null,"reason":"","outcome":"Smaller sub-account funds were released, but the main account payout remained blocked","country":"Hong Kong","date":"2026-02-12","summary":"A Hong Kong merchant says a main account payout of HKD 93,397 remained blocked despite a support message indicating payouts could be enabled and the release of funds from a smaller sub-account. The post says the account was first frozen two years earlier.","src":"https://news.ycombinator.com/item?id=46985510","st":"public","via":"Hacker News"},{"id":"1qyzfe7","p":"PayPal","biz":"","ind":"Unknown","amt":"900ish","amt_v":null,"cur":"","len":"months","days":null,"reason":"","outcome":"Unresolved; the poster says the money remains inaccessible.","country":"","date":"2026-02-08","summary":"A business account holder says roughly 900 remains inaccessible and cannot be transferred or used.","src":"https://www.reddit.com/r/paypal/comments/1qyzfe7/money_in_holding_for_months/","st":"public","via":"Reddit"},{"id":"1qymmhn","p":"PayPal","biz":"Digital commissions seller","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account permanently limited; access to funds unavailable at the time of posting","country":"","date":"2026-02-07","summary":"A digital commissions seller says the payment account was permanently limited after submitting identity and fulfillment information. The seller reports being unable to access their funds and had not resolved the issue at the time of posting.","src":"https://www.reddit.com/r/paypal/comments/1qymmhn/paypal_permanently_limited_my_account/","st":"public","via":"Reddit"},{"id":"1qxvjbr","p":"Revolut Business","biz":"Company receiving payment processor payouts","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"since January 29","days":null,"reason":"Account review","outcome":"Transfers remained pending, with no release estimate given.","country":"US","date":"2026-02-06","summary":"A US company says Revolut Business froze three incoming transfers from a payment processor, with one pending since January 29. Support reportedly gave no estimate for when the transfers would clear.","src":"https://www.reddit.com/r/Revolut/comments/1qxvjbr/us_revolut_business_holds_our_funds/","st":"public","via":"Reddit"},{"id":"1qvg3fi","p":"Stripe","biz":"Digital-product marketplace","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"4 months","days":120,"reason":"The provider initially described the pause as a routine check and later gave varying reasons.","outcome":"Payouts were released after the provider reviewed the payments; the business later resumed using another provider.","country":"Netherlands","date":"2026-02-04","summary":"A Netherlands-based digital-product marketplace says its processor paused business payouts during a review, affecting the creators selling through it. The payouts were released after four months.","src":"https://www.reddit.com/r/SaaS/comments/1qvg3fi/how_i_made_50000_in_2_months_and_why_we_got/","st":"public","via":"Reddit"},{"id":"1qvmh6q","p":"Lemon Squeezy","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Claimed negative balance","outcome":"Unresolved at time of post","country":"","date":"2026-02-04","summary":"A founder says Lemon Squeezy has withheld all payouts since they joined, claiming a negative balance of -$117 while the dashboard shows active revenue, and that support replies take about a week.","src":"https://www.reddit.com/r/lemonsqueezy/comments/1qvmh6q/warning_lemon_squeezy_holding_my_payouts_claims/","st":"public","via":"Reddit"},{"id":"1qnsxvy","p":"Etsy Payments","biz":"Online seller","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"The seller could not update the linked bank account and was told support could not resolve the issue","country":"","date":"2026-01-26","summary":"An established online seller says a sizable amount was in reserve after reactivating their shop, while they were unable to update the linked bank account.","src":"https://www.reddit.com/r/EtsySellers/comments/1qnsxvy/has_anyone_dealt_with_this_before/","st":"public","via":"Reddit"},{"id":"1qjt6cu","p":"Payoneer","biz":"Marketplace seller","ind":"Marketplace seller","amt":"approximately 3,700 USD","amt_v":3700.0,"cur":"USD","len":"","days":null,"reason":"The incoming payments were said to be rejected and returned during verification; no clear reason was given for the account closure.","outcome":"Unresolved; the seller says access to the funds remains unclear.","country":"","date":"2026-01-22","summary":"A marketplace seller says the payment account was closed during verification after an incoming payment was reportedly rejected and returned. The seller says they have not received proof of the return or access to the funds.","src":"https://www.reddit.com/r/payoneer/comments/1qjt6cu/serious_fund_loss_due_to_payoneer_account_closure/","st":"public","via":"Reddit"},{"id":"sc585427","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"a month and half","days":null,"reason":"A high number of customer chargebacks","outcome":"Refunds could not be processed while payouts were held; unresolved at the time of the post","country":"","date":"2026-01-22","summary":"An online-store owner says payments were disabled and payouts held after customer chargebacks. They report being unable to process refunds while the balance and payout hold remained unresolved.","src":"https://community.shopify.com/t/refunds-cannot-be-processed-due-to-payout-hold/585427","st":"public","via":"Shopify Community"},{"id":"1qij8bi","p":"Etsy Payments","biz":"Print-on-demand T-shirt seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"Up to 45 days","days":45,"reason":"Some shipments used carriers whose tracking was not integrated with the platform","outcome":"Unresolved at the time of the post","country":"","date":"2026-01-21","summary":"A print-on-demand T-shirt seller says funds for orders without platform-recognized tracking were reserved for up to 45 days, creating a cash-flow gap.","src":"https://www.reddit.com/r/EtsySellers/comments/1qij8bi/etsy_funds_reserve_due_to_no_tracking_does_this/","st":"public","via":"Reddit"},{"id":"1qg6bp6","p":"PayPal","biz":"Freelance web developer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The identity document was reportedly considered illegible.","outcome":"Permanently limited; the second payment had not been withdrawn at the time of the post.","country":"","date":"2026-01-18","summary":"A freelance web developer says the account was permanently limited after an identity check, leaving a client payment unwithdrawn.","src":"https://www.reddit.com/r/paypal/comments/1qg6bp6/paypal_emails_not_working_and_paypal_account/","st":"public","via":"Reddit"},{"id":"sc583967","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Identity verification processing delays and internal errors","outcome":"Payouts remained withheld after documents were confirmed received","country":"","date":"2026-01-16","summary":"An online-store owner says payouts remained frozen after identity documents were submitted and confirmed received. The provider acknowledged internal errors, but no resolution timeline was given.","src":"https://community.shopify.com/t/payout-hold/583967","st":"public","via":"Shopify Community"},{"id":"1qdx7fb","p":"Stripe","biz":"Travel business receiving B2B settlement payouts","ind":"Travel","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"High risk","outcome":"Funds released and paid out after escalation","country":"UK","date":"2026-01-15","summary":"A UK business owner says Stripe closed their account citing high risk and blocked legitimate B2B settlement payouts despite no chargebacks or disputes. After escalating to the Financial Ombudsman and reframing the issue as released funds not being paid out, the funds were eventually transferred.","src":"https://www.reddit.com/r/stripe/comments/1qdx7fb/stripe_held_my_funds_then_how_they_finally/","st":"public","via":"Reddit"},{"id":"sc583187","p":"Shopify Payments","biz":"Online retailer","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Elevated risk of customer disputes","outcome":"Payments disabled and payouts held for 120 days","country":"","date":"2026-01-12","summary":"An online retailer says the provider disabled payments and placed payouts on a 120-day hold due to elevated customer-dispute risk. The retailer had submitted requested business and fulfillment documentation.","src":"https://community.shopify.com/t/shopify-payments-disabled-120-day-payout-hold-only-10-chargebacks-on-2-500-orders-0-4/583187","st":"public","via":"Shopify Community"},{"id":"1q8825x","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Potential chargebacks or refunds (risk policy)","outcome":"Unresolved at time of post; funds still held past the stated deadline","country":"","date":"2026-01-09","summary":"A merchant says their store was blocked and Shopify Payments told them funds would be held for 120 days to cover chargebacks or refunds. The poster reports that the 120 days have passed and the money is still being held, with repeated support chats yielding no resolution.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1q8825x/shopify_is_holding_my_funds_past_the_120_days_and/","st":"public","via":"Reddit"},{"id":"1q7go4s","p":"Stripe","biz":"SaaS startup","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Business address verification required","outcome":"Unresolved at time of post","country":"Canada","date":"2026-01-08","summary":"A solo SaaS founder based in Canada with a US LLC says Stripe is withholding fund release until a business address is verified, and asks how to resolve the paperwork.","src":"https://www.reddit.com/r/SaaS/comments/1q7go4s/stripe_asking_for_proof_of_business_address/","st":"public","via":"Reddit"},{"id":"1q4ubw8","p":"PayPal","biz":"Online seller","ind":"Ecommerce","amt":"~800 USD","amt_v":800.0,"cur":"USD","len":"","days":null,"reason":"Requested identity, delivery, supplier, and transaction information to review the account and payment.","outcome":"Unresolved; the seller is considering small-claims action.","country":"UK","date":"2026-01-05","summary":"A UK online seller says PayPal froze an account after a customer payment and requested several documents about the seller and transaction. The funds remain inaccessible while the seller considers next steps.","src":"https://www.reddit.com/r/LegalAdviceUK/comments/1q4ubw8/paypal_froze_money_and_ask_all_sorts_of_details_i/","st":"public","via":"Reddit"},{"id":"1q21vzy","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"9 days","days":null,"reason":"A missed verification request","outcome":"The account limitation was resolved after 9 days.","country":"","date":"2026-01-02","summary":"A poster says Stripe limited an account after a verification request was missed, stopping revenue for 9 days. The limitation was later resolved.","src":"https://www.reddit.com/r/smallbusiness/comments/1q21vzy/stripe_froze_my_account_for_9_days_so_i_built/","st":"public","via":"Reddit"},{"id":"1q221t5","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"A missed verification request","outcome":"The limitation was resolved after support tickets.","country":"","date":"2026-01-02","summary":"A poster says Stripe limited an account and froze payouts after a verification request was missed. The issue was resolved after several days of support tickets.","src":"https://www.reddit.com/r/stripe/comments/1q221t5/stripe_froze_my_payouts_with_no_warning_so_i/","st":"public","via":"Reddit"},{"id":"L499","p":"Stripe","biz":"UK limited company","ind":"Unknown","amt":"$11,000","amt_v":11000.0,"cur":"USD","len":"120 days (to July 4, 2026)","days":120,"reason":"Closed after first dispute (merchant says dispute was withdrawn)","outcome":"Pending at time of post","country":"UK","date":"2026","summary":"A UK limited company says Stripe held $11,000 (120 days (to July 4, 2026)). Stated reason: Closed after first dispute (merchant says dispute was withdrawn). Outcome: pending at time of post.","src":"https://www.reddit.com/r/stripe/comments/1rjvvih/we_can_no_longer_support_your_business/","st":"public","via":"Reddit"},{"id":"L501","p":"Stripe","biz":"Ecommerce","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Account banned; refunds blocked","outcome":"","country":"","date":"2026","summary":"An ecommerce business says Stripe froze or held its funds. Stated reason: Account banned; refunds blocked.","src":"https://www.reddit.com/r/ecommerce/comments/1v2n2dw/stripe_banned_my_account_now_unable_to_refund/","st":"public","via":"Reddit"},{"id":"L507","p":"Shopify Payments","biz":"Ecommerce store","ind":"Ecommerce","amt":"$4,200","amt_v":4200.0,"cur":"USD","len":"","days":null,"reason":"Acceptable use policy (no specifics)","outcome":"3 support emails, then Shopify Payments terminated","country":"","date":"2026","summary":"An ecommerce store says Shopify Payments held $4,200. Stated reason: Acceptable use policy (no specifics). Outcome: 3 support emails, then Shopify Payments terminated.","src":"https://www.reddit.com/r/shopify/comments/1skg672/shopify_payments_froze_4200_and_support_wont_tell/","st":"public","via":"Reddit"},{"id":"1pzvvv3","p":"Shopify Payments","biz":"Seasonal online flower-bulb store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Missing required business information for verification","outcome":"Unresolved; a small payout was being held","country":"US","date":"2025-12-30","summary":"A US seasonal online flower-bulb seller says a small payout was held because required business information was incomplete. The seller also reports being charged for a tax-filing service and says support declined a refund.","src":"https://www.reddit.com/r/shopify/comments/1pzvvv3/am_i_crazy_or_was_i_scammed_by_the_automated_tax/","st":"public","via":"Reddit"},{"id":"x2005944623391207540","p":"Stripe","biz":"","ind":"Unknown","amt":"€49.9k","amt_v":49900.0,"cur":"EUR","len":"","days":null,"reason":"None given","outcome":"Hold period ended, but no payout was initiated; unresolved at time of post","country":"","date":"2025-12-30","summary":"A business reports that €49.9k remained unpaid after its account was closed and the stated hold period ended. Support cases were closed without replies.","src":"https://x.com/martijnnbakker/status/2005944623391207540","st":"public","via":"X"},{"id":"1pyur10","p":"PayPal","biz":"Online seller","ind":"Ecommerce","amt":"$582","amt_v":582.0,"cur":"USD","len":"180 days","days":180,"reason":"None given","outcome":"Account permanently deactivated; funds held; unresolved at time of post","country":"","date":"2025-12-29","summary":"An online seller says PayPal placed a hold on a sale, then permanently deactivated the account and held $582 for an additional 180 days. The poster says no reason was given and is asking whether others have recovered funds sooner.","src":"https://www.reddit.com/r/paypal/comments/1pyur10/account_permanently_deactivated/","st":"public","via":"Reddit"},{"id":"1pxq3a2","p":"Stripe","biz":"SaaS startup","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"High risk of disputes","outcome":"Account reinstated after appeal","country":"","date":"2025-12-28","summary":"A SaaS founder says Stripe permanently banned their account citing high dispute risk despite a below-average dispute rate, and the account was later reinstated after an appeal.","src":"https://www.reddit.com/r/SaaS/comments/1pxq3a2/how_were_were_making_11k_per_month_then_lost/","st":"public","via":"Reddit"},{"id":"1pvbemp","p":"Stripe","biz":"eSIM data plan seller via mobile app","ind":"Travel","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Unacceptable level of risk","outcome":"Appeal rejected; funds being reversed to customers; moving to a new processor","country":"UK","date":"2025-12-25","summary":"A UK limited company selling prepaid eSIM data plans says Stripe abruptly closed its account citing unacceptable risk and rejected its appeal. The poster says Stripe is reversing successful transactions to customers who already used the plans, causing a double loss, and asks about legal options.","src":"https://www.reddit.com/r/LegalAdviceUK/comments/1pvbemp/stripe_closed_my_ukengland_account_holding_funds/","st":"public","via":"Reddit"},{"id":"1puweo1","p":"Mercury","biz":"SaaS startup","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Company became inactive after missing IRS annual paperwork","outcome":"Unresolved at time of post","country":"US","date":"2025-12-24","summary":"A founder says their US company became inactive after missing IRS paperwork, causing their Mercury business account to be closed, and they expect Stripe to follow.","src":"https://www.reddit.com/r/SaaS/comments/1puweo1/replacement_for_atripe_after_my_american_company/","st":"public","via":"Reddit"},{"id":"1psa6f7","p":"Stripe","biz":"Small business","ind":"Unknown","amt":"nearly $8,000","amt_v":8000.0,"cur":"AUD","len":"indefinitely","days":null,"reason":"","outcome":"Unresolved at the time of the post.","country":"Australia","date":"2025-12-21","summary":"An Australian small-business owner says nearly $8,000 in business funds was frozen indefinitely. They say they now use multiple processors and keep funds split across accounts.","src":"https://www.reddit.com/r/AusFinance/comments/1psa6f7/its_honestly_terrifying_how_easily_a_payment/","st":"public","via":"Reddit"},{"id":"1poantf","p":"Payoneer","biz":"Business","ind":"Unknown","amt":"€36,000","amt_v":36000.0,"cur":"EUR","len":"","days":null,"reason":"Generic reference to a Terms and Conditions violation, with no specific explanation","outcome":"Account permanently closed and funds inaccessible; no release timeline was provided","country":"","date":"2025-12-16","summary":"A business operator says Payoneer permanently closed their account and froze €36,000. They report receiving only a general reference to the Terms and Conditions and no timeline for recovering the funds.","src":"https://www.reddit.com/r/payoneer/comments/1poantf/payoneer_closed_my_account_and_froze_36000_clean/","st":"public","via":"Reddit"},{"id":"1poestn","p":"Stripe","biz":"Retail and online shop","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"","country":"","date":"2025-12-16","summary":"A retail and online shop reportedly experienced a funding hold during a promotional period. The post does not state the amount held or how the issue was resolved.","src":"https://www.reddit.com/r/smallbusiness/comments/1poestn/has_anyone_used_luqra_for_credit_card_processing/","st":"public","via":"Reddit"},{"id":"x2000477785954136446","p":"PayPal","biz":"Online seller","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Funds had not been returned at the time of the post","country":"","date":"2025-12-15","summary":"An online seller says their account was limited and their funds remained unavailable; they report having made two sales over four months.","src":"https://x.com/vmxn__/status/2000477785954136446","st":"public","via":"X"},{"id":"1pkfmaq","p":"Shopify Payments","biz":"Digital product store","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Stores terminated within 1-2 weeks; unresolved at time of post","country":"","date":"2025-12-12","summary":"A merchant selling digital products says their Shopify stores are repeatedly terminated within one to two weeks or have Shopify Payments deactivated, despite keeping chargebacks low and maintaining good customer service.","src":"https://www.reddit.com/r/ShopifyeCommerce/comments/1pkfmaq/shopify_store_terminations/","st":"public","via":"Reddit"},{"id":"1ph8dih","p":"Etsy Payments","biz":"Online seller","ind":"Ecommerce","amt":"£647","amt_v":647.0,"cur":"GBP","len":"14 business days","days":14,"reason":"","outcome":"No payouts had cleared at the time of the post","country":"UK","date":"2025-12-08","summary":"A UK online seller says £647 was listed as not yet available and no payouts had cleared despite making numerous sales.","src":"https://www.reddit.com/r/EtsySellers/comments/1ph8dih/204_sales_in_3_weeks_and_still_0_payout_is_this/","st":"public","via":"Reddit"},{"id":"1pay9yw","p":"WooPayments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Funds were still being held at the time of the post","country":"","date":"2025-12-01","summary":"An online seller says funds processed through a payment service were being held. The post does not specify the amount or why those funds were held.","src":"https://www.reddit.com/r/smallbusiness/comments/1pay9yw/square_questions_about_payment_holds/","st":"public","via":"Reddit"},{"id":"1p9x2wm","p":"PayPal","biz":"Animator and illustrator","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"Less than 24 hours","days":null,"reason":"The provider cited a violation of buyer-protection guidelines","outcome":"Limitations removed and funds withdrawn","country":"Argentina","date":"2025-11-29","summary":"An Argentine animator and illustrator says their payment account was briefly limited, then restored after they submitted identity, bank, and business-activity documents. They withdrew their funds once access was restored.","src":"https://www.reddit.com/r/paypal/comments/1p9x2wm/i_was_able_to_get_my_permanently_limited_account/","st":"public","via":"Reddit"},{"id":"1p7o8vq","p":"Etsy Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2025-11-27","summary":"An Etsy seller says they were placed on a payment reserve the previous day and is confused because the reserve shows no orders despite recent sales. They are unsure whether it is an error or a misunderstanding of how the reserve works.","src":"https://www.reddit.com/r/EtsySellers/comments/1p7o8vq/payment_reserve_confusion/","st":"public","via":"Reddit"},{"id":"1p6ed5s","p":"Zen Payments","biz":"Lead generation company for contractors","ind":"Services/Agency","amt":"$2,500","amt_v":2500.0,"cur":"USD","len":"90 days","days":90,"reason":"None given","outcome":"Account terminated; funds held 90 days with release not guaranteed","country":"","date":"2025-11-25","summary":"A lead generation company for contractors says Zen Payments terminated its account two weeks after onboarding with no explanation, holding $2,500 in reserve for 90 days with release not guaranteed. The owner rates the experience poorly.","src":"https://www.reddit.com/r/PaymentProcessing/comments/1p6ed5s/zen_payments_010_experience_misleading_promises/","st":"public","via":"Reddit"},{"id":"1p4elz3","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Elevated risk, possibly related to a chargeback","outcome":"Appeal submitted; awaiting a response","country":"","date":"2025-11-23","summary":"An online merchant says Shopify Payments announced it would hold funds and disable payment processing after the store received a chargeback. The merchant appealed and was awaiting a response.","src":"https://www.reddit.com/r/ShopifyeCommerce/comments/1p4elz3/money_being_held/","st":"public","via":"Reddit"},{"id":"1p4fbuv","p":"PayPal","biz":"Online store","ind":"Ecommerce","amt":"over $100k","amt_v":100000.0,"cur":"AUD","len":"180 days","days":180,"reason":"","outcome":"Unresolved at time of post","country":"Australia","date":"2025-11-23","summary":"An Australian online retailer says the provider placed a 180-day hold on over $100k after repeatedly requesting additional documents. The retailer was unable to withdraw most of the funds and was seeking ways to challenge the hold.","src":"https://www.reddit.com/r/AusLegal/comments/1p4fbuv/paypal_just_decided_to_hold_over_100k_of_my_money/","st":"public","via":"Reddit"},{"id":"1p4n9uz","p":"Etsy Payments","biz":"Online seller","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"3 weeks so far","days":21,"reason":"","outcome":"Unresolved; support suggested closing the shop for 14 days","country":"","date":"2025-11-23","summary":"An online seller says a reserve had been in place for three weeks and support could not say when payouts would resume.","src":"https://www.reddit.com/r/EtsySellers/comments/1p4n9uz/14_day_hold/","st":"public","via":"Reddit"},{"id":"1p4iiqv","p":"Etsy Payments","biz":"Online shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"About a week","days":null,"reason":"","outcome":"Unresolved at time of post; support had not replied.","country":"Canada","date":"2025-11-23","summary":"An Etsy seller in Canada says the shop's available-for-deposit balance has remained at zero despite a positive account balance, preventing payouts. The seller is unsure whether a reserve is in place and has not received a response from support.","src":"https://www.reddit.com/r/EtsySellers/comments/1p4iiqv/cant_tell_if_my_shop_has_a_payment_reserve/","st":"public","via":"Reddit"},{"id":"1p1rqp9","p":"Square","biz":"AI-supported double-sided marketplace","ind":"Marketplace seller","amt":"$20,000","amt_v":20000.0,"cur":"USD","len":"","days":null,"reason":"Reserve policy","outcome":"Unresolved at time of post; reserve not reviewed until February 2026","country":"","date":"2025-11-20","summary":"A business running an AI-supported double-sided marketplace says Square is holding $20,000 in reserve despite no chargebacks, and says the policy will not be reviewed until February 2026.","src":"https://www.reddit.com/r/Entrepreneur/comments/1p1rqp9/square_withholding_20k_many_customers_zero/","st":"public","via":"Reddit"},{"id":"1ozat5n","p":"PayPal","biz":"Writer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account permanently limited; the provider said the decision was final","country":"Kenya","date":"2025-11-17","summary":"A Kenyan writer says their account was permanently limited when they tried to withdraw a writing payout, stopping access to their earnings. They say the provider gave no reason and would not reconsider the decision.","src":"https://www.reddit.com/r/paypal/comments/1ozat5n/paypal_account_permanetly_limitedwhats_next/","st":"public","via":"Reddit"},{"id":"1oxom7i","p":"PayPal","biz":"Artist selling art and merchandise","ind":"Creator/Digital products","amt":"$640 USD","amt_v":640.0,"cur":"USD","len":"","days":null,"reason":"The provider said its values did not align with the business.","outcome":"The business account was permanently suspended, and the funds remained inaccessible.","country":"","date":"2025-11-15","summary":"An artist says their business account was permanently suspended and $640 remained inaccessible; they continued fulfilling customer orders using personal funds.","src":"https://www.reddit.com/r/paypal/comments/1oxom7i/help_navigating_paypal_ban/","st":"public","via":"Reddit"},{"id":"1ot7xb1","p":"PayPal","biz":"3D artist and subscription-content creator","ind":"Creator/Digital products","amt":"$1293","amt_v":1293.0,"cur":"USD","len":"6 months (180 days)","days":180,"reason":"None given; support said the reason was confidential.","outcome":"Account permanently banned; funds inaccessible for 180 days.","country":"","date":"2025-11-10","summary":"A 3D artist and content creator says PayPal permanently banned their account after requesting identity verification and held $1293. Support declined to disclose the reason, and the funds are reportedly inaccessible for 180 days.","src":"https://www.reddit.com/r/paypal/comments/1ot7xb1/paypal_banned_me_permanently_after_getting_my_1k/","st":"public","via":"Reddit"},{"id":"1ot8l08","p":"Etsy Payments","biz":"Online seller","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Funds were subject to a reserve","outcome":"Unresolved at the time of the post","country":"","date":"2025-11-10","summary":"An online seller says payouts remained unavailable because the funds were subject to a reserve, leaving them unable to cover costs for new orders.","src":"https://www.reddit.com/r/EtsySellers/comments/1ot8l08/my_balance_is_more_but_etsy_still_not_releasing/","st":"public","via":"Reddit"},{"id":"1ossvmq","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The account requested identification after a payout failed.","outcome":"Support fixed the issue.","country":"","date":"2025-11-09","summary":"A Stripe account holder says a payout failed and the account requested identification. They contacted support, which resolved the issue.","src":"https://www.reddit.com/r/stripe/comments/1ossvmq/stripe_frozen_accounts_what_you_need_to_do/","st":"public","via":"Reddit"},{"id":"1oqptfo","p":"Lemon Squeezy","biz":"Digital educational ebook store","ind":"Creator/Digital products","amt":"around $30,000","amt_v":30000.0,"cur":"USD","len":"","days":null,"reason":"The account was placed under review after chargebacks linked to a file-download issue.","outcome":"Payout remained frozen with no clear update or timeline at the time of the post.","country":"","date":"2025-11-07","summary":"A digital-products seller says Lemon Squeezy placed its account under review and froze a payout of around $30,000. The seller attributes several chargebacks to a download issue and had not received a payout timeline.","src":"https://www.reddit.com/r/SaaS/comments/1oqptfo/lemon_squeezy_account_under_review_30k_in_payouts/","st":"public","via":"Reddit"},{"id":"1oqx8z0","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"No clear reason given","outcome":"Unresolved at time of post","country":"","date":"2025-11-07","summary":"An online store operator says the provider froze funds in their store and that the lack of access to the money affected their ability to pay rent.","src":"https://www.reddit.com/r/shopifyDev/comments/1oqx8z0/shopify_payout_holds/","st":"public","via":"Reddit"},{"id":"1oq42uc","p":"PayPal","biz":"Dropshipping company","ind":"Ecommerce","amt":"$2700","amt_v":2700.0,"cur":"USD","len":"","days":null,"reason":"","outcome":"Funds remain on hold; the poster says the issue is unresolved.","country":"","date":"2025-11-06","summary":"A dropshipping business says PayPal is holding $2700 needed to pay a supplier. The poster reports no resolution and says PayPal has been slow to respond.","src":"https://www.reddit.com/r/paypal/comments/1oq42uc/paypal_is_holding_money_that_i_need_to_use/","st":"public","via":"Reddit"},{"id":"1oorwdc","p":"Etsy Payments","biz":"Handmade goods seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"14 days","days":14,"reason":"New-seller payment delay","outcome":"Unresolved at time of post","country":"","date":"2025-11-05","summary":"A handmade goods seller says payments have not arrived despite a new-seller delay and asks when to expect payouts.","src":"https://www.reddit.com/r/EtsySellers/comments/1oorwdc/new_seller_trying_to_understand_payment/","st":"public","via":"Reddit"},{"id":"1opiiqy","p":"Stripe","biz":"Small business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Unexpected sales surge","outcome":"","country":"","date":"2025-11-05","summary":"A small-business owner says the provider froze funds or placed a reserve after an unexpected sales surge. No amount or resolution is given.","src":"https://www.reddit.com/r/smallbusiness/comments/1opiiqy/stripe_payment_challenges_what_small_business/","st":"public","via":"Reddit"},{"id":"1oo24z4","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"Over 30 days; released exactly one month later","days":30,"reason":"","outcome":"Hold released after exactly one month.","country":"","date":"2025-11-04","summary":"A business owner says payouts were frozen for about a month despite submitting requested documents and receiving no clear updates. The funds were eventually released.","src":"https://www.reddit.com/r/shopify/comments/1oo24z4/shopify_payments_frozen_for_over_30_days_no/","st":"public","via":"Reddit"},{"id":"1onmvx5","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"$12,400","amt_v":12400.0,"cur":"USD","len":"","days":null,"reason":"Elevated chargeback risk","outcome":"Payments disabled and funds held; unresolved at time of post","country":"US","date":"2025-11-03","summary":"A US-based online store owner says Shopify Payments paused payouts and then disabled the account for elevated chargeback risk, leaving $12,400 in sales held with no payouts received.","src":"https://www.reddit.com/r/ShopifyeCommerce/comments/1onmvx5/shopify_payments_suspended_looking_for_a_new/","st":"public","via":"Reddit"},{"id":"1omen8b","p":"PayPal","biz":"Artist selling commissions and art merchandise","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"The account was permanently banned, funds were withheld, and the poster says an appeal was unavailable.","country":"","date":"2025-11-02","summary":"An artist says a payment account was permanently banned after they began selling commissions and art merchandise through an online storefront. Funds were withheld, and the provider did not explain the reason or offer an appeal.","src":"https://www.reddit.com/r/smallbusiness/comments/1omen8b/advice_on_getting_paid_as_a_small_business_owner/","st":"public","via":"Reddit"},{"id":"1okk696","p":"PayPal","biz":"Twitch streamer and online creator","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"PayPal requested business and website information.","outcome":"The limitation remained unresolved, and the poster could not transfer funds to a bank.","country":"","date":"2025-10-31","summary":"A streamer says PayPal limited their account after donations for a personal fundraiser and prevented transfers to a bank. PayPal requested business and website information, and the limitation remained unresolved.","src":"https://www.reddit.com/r/paypal/comments/1okk696/limitation_on_my_account_need_help/","st":"public","via":"Reddit"},{"id":"1oci4dg","p":"Etsy Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"14 days","days":14,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2025-10-21","summary":"An Etsy seller reports that orders older than the stated 14-day hold are not moving into the available balance, and no reserve is shown on the account. They cannot find a clear explanation for why payouts are not being released.","src":"https://www.reddit.com/r/EtsySellers/comments/1oci4dg/why_am_i_not_getting_paid_the_orders_are_older/","st":"public","via":"Reddit"},{"id":"1obftfk","p":"PayPal","biz":"Proxy shopping service","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"","outcome":"Account permanently limited; funds held; unresolved at time of post","country":"Philippines","date":"2025-10-20","summary":"A Philippines-based proxy shopping service says PayPal placed a hold on incoming payments and then permanently limited the account, with funds held for 180 days. The poster believes a withdrawal attempt to a mismatched Filipino bank account triggered the action and is seeking ways to access the money sooner.","src":"https://www.reddit.com/r/paypal/comments/1obftfk/account_permanently_limited_and_i_desperately/","st":"public","via":"Reddit"},{"id":"1o92w8t","p":"Wise","biz":"Small business","ind":"Unknown","amt":"€50,000","amt_v":50000.0,"cur":"EUR","len":"","days":null,"reason":"Wise requested verification of the source of company funds; the closure reason was not specified","outcome":"Account closed and funds remained frozen with no recovery timeline stated","country":"","date":"2025-10-17","summary":"A small-business operator says Wise closed their account after requesting documents about the source of company funds. They report €50,000 frozen with no stated release date.","src":"https://www.reddit.com/r/fintech/comments/1o92w8t/how_wise_destroyed_my_business_in_one_day_with/","st":"public","via":"Reddit"},{"id":"1o98qnr","p":"Payoneer","biz":"Ad-supported blog","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider requested a link to the now-inactive website and an invoice.","outcome":"Unresolved; the balance remains disabled and unavailable for withdrawal or card use.","country":"","date":"2025-10-17","summary":"A blog operator says the provider disabled a balance from earlier advertising payments and blocked withdrawals and card use. They report being asked for an inactive website link and an invoice.","src":"https://www.reddit.com/r/payoneer/comments/1o98qnr/payoneer_a_nightmare/","st":"public","via":"Reddit"},{"id":"sc570827","p":"Shopify Payments","biz":"Solo-run online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"6 days","days":6,"reason":"A suspicious bank-account change that the owner says they did not make","outcome":"Unresolved at the time of the post","country":"","date":"2025-10-16","summary":"A solo online-store owner says payouts were held for 6 days after a suspicious bank-account change. They report restoring the account details and verifying their identity, but payouts remained blocked.","src":"https://community.shopify.com/t/payout-hold-from-6-days-help-me/570827","st":"public","via":"Shopify Community"},{"id":"1o137r7","p":"PayPal","biz":"Online recipient of payments","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"Up to 180 days","days":180,"reason":"PayPal cited suspected unapproved sales of sexually oriented materials or services.","outcome":"Account deactivated; release of funds remains unresolved.","country":"","date":"2025-10-08","summary":"A business account holder says PayPal deactivated the account after citing suspected sales of sexually oriented materials or services, which the poster disputes. The notice said funds could be held for up to 180 days, and the poster is unsure whether to appeal or wait.","src":"https://www.reddit.com/r/paypal/comments/1o137r7/help_for_permanent_deactivation/","st":"public","via":"Reddit"},{"id":"1o0ahfx","p":"Stripe","biz":"Consumer electronics ecommerce retailer","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"nearly a year","days":null,"reason":"The business was considered high risk.","outcome":"Unresolved at the time of the post; the funds remained unreleased with no timeline.","country":"UAE","date":"2025-10-07","summary":"A Dubai consumer electronics retailer says the provider disabled its account during a risk review and continued holding funds for nearly a year. The retailer says the provider gave no specific reason or release timeline.","src":"https://www.reddit.com/r/stripe/comments/1o0ahfx/stripe_holding_my_funds_for_nearly_a_year_refuses/","st":"public","via":"Reddit"},{"id":"1o0n8ty","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"almost 3 weeks","days":null,"reason":"Routine account check","outcome":"Unresolved at time of post","country":"","date":"2025-10-07","summary":"An online store operator says payouts had been on hold for almost three weeks, and support described it as a routine account check.","src":"https://www.reddit.com/r/dropshipping/comments/1o0n8ty/shopify_payouts_been_on_hold_for_almost_3_weeks/","st":"public","via":"Reddit"},{"id":"1nwv1o5","p":"Stripe","biz":"","ind":"Unknown","amt":"£692","amt_v":692.0,"cur":"GBP","len":"June 2025 to October","days":null,"reason":"Stripe initially cited unauthorized payments and later described the business as high risk after a KYC review.","outcome":"The account was permanently blocked and the remaining balance was not released.","country":"UK","date":"2025-10-03","summary":"A UK business says Stripe blocked its account in June 2025 and paused payouts until October. After a KYC review, Stripe said it would not release the remaining balance and kept the account blocked.","src":"https://www.reddit.com/r/stripe/comments/1nwv1o5/stripe_blocked_our_business_account_wont_release/","st":"public","via":"Reddit"},{"id":"1nw4mjt","p":"PayPal","biz":"Second-hand model seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Additional checks; requested proof of sale and delivery for five international transactions.","outcome":"Unresolved; awaiting a further update.","country":"UK","date":"2025-10-02","summary":"A UK second-hand model seller says PayPal blocked withdrawals from their business account while reviewing transaction documents. They had uploaded the requested proof of sale and delivery but had not received a decision.","src":"https://www.reddit.com/r/paypal/comments/1nw4mjt/temporary_limitation_on_business_account/","st":"public","via":"Reddit"},{"id":"1nuirez","p":"Etsy Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Funds still being deposited daily despite reserve shown","country":"","date":"2025-09-30","summary":"An experienced Etsy seller who opened a new shop says the account shows a payment reserve, yet all funds are still being deposited daily rather than a portion being held. They find the situation confusing and unexplained.","src":"https://www.reddit.com/r/EtsySellers/comments/1nuirez/etsy_can_be_kinda_whack_re_payment_reserve_and/","st":"public","via":"Reddit"},{"id":"1nus8s5","p":"Square","biz":"Farmers market dried-fruit and nut vendor","ind":"Food/Restaurant","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Account freezes have occurred multiple times; the seller is seeking another processor","country":"","date":"2025-09-30","summary":"A farmers market vendor selling dried fruit and nuts says the provider has frozen the business account multiple times, disrupting access to funds.","src":"https://www.reddit.com/r/smallbusiness/comments/1nus8s5/square_alternatives_for_farmers_market_need/","st":"public","via":"Reddit"},{"id":"1nurfuy","p":"Square","biz":"Home bakery","ind":"Food/Restaurant","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Stopped using the provider","country":"","date":"2025-09-30","summary":"A home bakery says the provider began holding its money, so the business stopped using the service. No amount or duration is stated.","src":"https://www.reddit.com/r/smallbusiness/comments/1nurfuy/a_pos_system_that_has_ecommerce_capabilities/","st":"public","via":"Reddit"},{"id":"1np3gby","p":"Stripe","biz":"Online marketplace platform","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Recovered funds from a reimbursement were placed in Connect reserves.","outcome":"Funds remained unavailable for payouts at the time of the post.","country":"","date":"2025-09-24","summary":"An online marketplace operator says recovered funds from a connected account are sitting in reserves and are not available for payouts. The funds remained unavailable after the connected account had cleared its balance.","src":"https://www.reddit.com/r/stripe/comments/1np3gby/stripe_connect_funds_stuck_in_reserves_normal_or/","st":"public","via":"Reddit"},{"id":"sc567408","p":"Shopify Payments","biz":"Online store using presales","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"2 weeks","days":14,"reason":"Identity verification was required to keep the account secure","outcome":"Unresolved at the time of the post; chargebacks were occurring as orders could not be fulfilled","country":"US","date":"2025-09-24","summary":"A U.S.-based online-store owner says payouts remained on hold for two weeks despite completing identity verification. The hold prevented order fulfillment and led to chargebacks.","src":"https://community.shopify.com/t/im-getting-0-support-on-a-payout-hold-i-think-the-system-is-bugged/567408","st":"public","via":"Shopify Community"},{"id":"1npg4va","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"almost a full week","days":null,"reason":"None given","outcome":"Unresolved at the time of the post","country":"","date":"2025-09-24","summary":"An online merchant says Shopify Payments paused payouts after identity verification had been completed and the account had been cleared. The payout hold remained unresolved for almost a week, with no explanation provided.","src":"https://www.reddit.com/r/ShopifySEO/comments/1npg4va/shopify_payments_on_hold/","st":"public","via":"Reddit"},{"id":"1nl3zsg","p":"Stripe","biz":"Handmade bag seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"None given.","outcome":"Unresolved at the time of the post; the funds were still being held.","country":"UK","date":"2025-09-19","summary":"A UK seller of handmade bags says the provider closed the account and held its funds without giving a reason. The seller was told the funds would be held for 120 days.","src":"https://www.reddit.com/r/stripe/comments/1nl3zsg/stripe_closed_my_account_and_theyre_holding_the/","st":"public","via":"Reddit"},{"id":"1njvlro","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The payouts were disabled after the seller switched bank accounts, pending an account review.","outcome":"Unresolved at the time of the post","country":"","date":"2025-09-18","summary":"An online seller says payouts were disabled after a bank-account change triggered a review. They had not received instructions for verification and were still seeking a resolution.","src":"https://www.reddit.com/r/shopify/comments/1njvlro/shopify_support_tips/","st":"public","via":"Reddit"},{"id":"1nkjyq2","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"Around 2 weeks","days":14,"reason":"Routine checks, followed by suspicion of an Acceptable Use Policy violation.","outcome":"An appeal was filed and was still awaiting a decision.","country":"","date":"2025-09-18","summary":"An online-store operator says payments were paused for routine checks before the store was terminated over a suspected policy violation. The operator submitted an appeal and was waiting for a response.","src":"https://www.reddit.com/r/shopify/comments/1nkjyq2/shopify_has_terminated_my_store_without_any/","st":"public","via":"Reddit"},{"id":"1nf4vqd","p":"Etsy Payments","biz":"Online marketplace shop","ind":"Marketplace seller","amt":"$400","amt_v":400.0,"cur":"USD","len":"","days":null,"reason":"Payment reserve","outcome":"Unresolved at time of post","country":"","date":"2025-09-12","summary":"A marketplace seller says about $400 from their first sale has not been deposited. The provider said a payment reserve had been placed on the account.","src":"https://www.reddit.com/r/Etsy/comments/1nf4vqd/not_receiving_my_money/","st":"public","via":"Reddit"},{"id":"1ndxb5m","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Appeal submitted 4 days ago; unresolved at time of post","country":"Canada","date":"2025-09-11","summary":"A new Canadian online store owner says Shopify Payments was disabled after two orders, with no reason given, and an appeal submitted four days earlier was still pending.","src":"https://www.reddit.com/r/shopify/comments/1ndxb5m/shopify_payments_disabled/","st":"public","via":"Reddit"},{"id":"1ndganb","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Payouts were paused and the issue remained unresolved at the time of the post.","country":"","date":"2025-09-10","summary":"A business says Stripe paused its payouts despite a clean dispute history. The poster reports unsuccessful attempts to get a promised call or resolution.","src":"https://www.reddit.com/r/stripe/comments/1ndganb/stripe_missed_call_ignoring_me_and_froze_payouts/","st":"public","via":"Reddit"},{"id":"1ncvm15","p":"Etsy Payments","biz":"Sticker and print shop","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Increase in sales without tracking","outcome":"Unresolved at time of post","country":"","date":"2025-09-09","summary":"An Etsy seller running a sticker and print shop says they were placed on a 50% payment reserve due to increased sales of untracked sticker orders. They object to the reserve because tracking would cost more than the low-value orders earn.","src":"https://www.reddit.com/r/Etsy/comments/1ncvm15/etsy_payment_reserve_on_stickers/","st":"public","via":"Reddit"},{"id":"1n9aa8i","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"around $80k","amt_v":80000.0,"cur":"USD","len":"120 days","days":120,"reason":"None given","outcome":"Unresolved; provider said its decision would remain unchanged","country":"","date":"2025-09-05","summary":"An online store operator says the provider terminated the store and held a balance of around $80k, without giving a clear reason or a way to appeal.","src":"https://www.reddit.com/r/ShopifyeCommerce/comments/1n9aa8i/80k_payout_on_hold_with_no_clear_reason_and_zero/","st":"public","via":"Reddit"},{"id":"sc563569","p":"Shopify Payments","biz":"Merchant business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"weeks","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2025-09-05","summary":"A merchant says payouts were on hold for weeks and support provided no clear updates or resolution timeline. The issue remained unresolved at the time of the post.","src":"https://community.shopify.com/t/payouts-on-hold-extremely-frustrating-experience/563569","st":"public","via":"Shopify Community"},{"id":"1n8jh6y","p":"Stripe","biz":"Solo founder's business","ind":"Unknown","amt":"several thousand euros","amt_v":null,"cur":"","len":"","days":null,"reason":"Automated risk flag","outcome":"","country":"","date":"2025-09-04","summary":"A solo founder says Stripe froze several thousand euros in payouts without warning, despite no fraud or chargebacks. The post describes the business impact but does not say whether the funds were later released.","src":"https://www.reddit.com/r/stripe/comments/1n8jh6y/stripe_froze_my_payouts_when_i_needed_them_the/","st":"public","via":"Reddit"},{"id":"1n7dtc4","p":"Stripe","biz":"Online seller","ind":"Ecommerce","amt":"over $3600","amt_v":3600.0,"cur":"USD","len":"until 2026","days":null,"reason":"The provider cited risk after a customer dispute.","outcome":"Appeal denied; funds were stated to be inaccessible until 2026.","country":"US","date":"2025-09-03","summary":"A US online seller says Stripe permanently disabled the business account after a dispute and denied an appeal, leaving more than $3,600 inaccessible until 2026.","src":"https://www.reddit.com/r/stripe/comments/1n7dtc4/3_year_stripe_account_disabled_because_of_one/","st":"public","via":"Reddit"},{"id":"1n7lwd3","p":"QuickBooks Payments","biz":"Small business receiving customer payments","ind":"Unknown","amt":"$39,000","amt_v":39000.0,"cur":"USD","len":"10+ days","days":null,"reason":"Security review","outcome":"Unresolved at the time of the post; the payment remained on hold.","country":"","date":"2025-09-03","summary":"A small business owner says QuickBooks Payments repeatedly held customer payments for security reviews. A $39,000 payment remained unavailable, leaving the business unable to pay a vendor on time.","src":"https://www.reddit.com/r/QuickBooks/comments/1n7lwd3/quickbooks_payments_is_holding_39k_and_could_put/","st":"public","via":"Reddit"},{"id":"L509","p":"Shopify Payments","biz":"Ecommerce store (EU)","ind":"Ecommerce","amt":"Thousands of euros","amt_v":null,"cur":"","len":"Multiple 120-day holds","days":null,"reason":"\"Risk management\"","outcome":"9+ support tickets closed without resolution","country":"EU","date":"2025-09","summary":"An ecommerce store (EU) says Shopify Payments held thousands of euros (multiple 120-day holds). Stated reason: \"Risk management\". Outcome: 9+ support tickets closed without resolution.","src":"https://community.shopify.com/t/funds-withheld-after-account-termination-no-response-from-support-bububoxes-com/566643","st":"public","via":"Shopify Community"},{"id":"1n3wb6r","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Alleged unauthorized payment","outcome":"Account closure announced; refunds were scheduled to begin in a few days.","country":"","date":"2025-08-30","summary":"A business owner says Stripe paused payouts over a bank-linking issue and later closed the account over an alleged unauthorized payment. The owner says the customer confirmed the payment was authorized.","src":"https://www.reddit.com/r/stripe/comments/1n3wb6r/stripe_closed_my_account_due_to_unauthorized/","st":"public","via":"Reddit"},{"id":"1n2txhm","p":"Stripe","biz":"Peptide seller","ind":"Health/Supplements","amt":"$20k","amt_v":20000.0,"cur":"USD","len":"90 days","days":90,"reason":"","outcome":"Funds remained held for 90 days; the outcome is not stated.","country":"","date":"2025-08-29","summary":"A peptide seller says Stripe shut down the account and held $20k for 90 days. The poster also says a subsequent PayPal account was limited, but does not report funds held there.","src":"https://www.reddit.com/r/PeptidesMerchantHelp/comments/1n2txhm/stripe_froze_me_at_50month_selling_peptides/","st":"public","via":"Reddit"},{"id":"1n2ou95","p":"Stripe","biz":"Shopify store selling digital artwork downloads","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Account closed; seeking alternatives","country":"","date":"2025-08-28","summary":"A Shopify store selling digital artwork downloads says Stripe closed its account and is looking for alternative payment processors.","src":"https://www.reddit.com/r/smallbusiness/comments/1n2ou95/payment_processor_alternatives_if_stripe_account/","st":"public","via":"Reddit"},{"id":"1n1lhm5","p":"PayPal","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"PayPal cited an Acceptable Use Policy violation but did not specify what activity or products were at issue.","outcome":"Account permanently limited, preventing the store from continuing to accept payments","country":"","date":"2025-08-27","summary":"An online retailer says its payment account was permanently limited after years of processing website sales. The provider cited a policy violation but gave no specific explanation.","src":"https://www.reddit.com/r/paypal/comments/1n1lhm5/paypal_account_permanent_suspended_for_breach_of/","st":"public","via":"Reddit"},{"id":"1mzulze","p":"Etsy Payments","biz":"Online shop","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"14 days","days":14,"reason":"Funds are held for 14 days after each sale","outcome":"Unresolved at time of post","country":"","date":"2025-08-25","summary":"An online seller says funds from sales are held for 14 days and that they have received only one small payout so far.","src":"https://www.reddit.com/r/EtsySellers/comments/1mzulze/explain_to_me_like_im_dumb/","st":"public","via":"Reddit"},{"id":"1mzk4hn","p":"Stripe","biz":"Business receiving client payments","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Bank account verification mismatch","outcome":"Payouts paused; verification issue unresolved at the time of posting","country":"","date":"2025-08-25","summary":"A business operator says payouts were paused while the provider reviewed a mismatch between the linked bank account and the payout account.","src":"https://www.reddit.com/r/stripe/comments/1mzk4hn/support_needed_linked_bank_account_still_showing/","st":"public","via":"Reddit"},{"id":"1mzow2q","p":"PayPal","biz":"Streaming content creator","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved; the creator says the income is frozen with no clear timeline.","country":"","date":"2025-08-25","summary":"A streaming creator says PayPal limited the account and a transfer to Wise became stuck under review. The creator reports being unable to access the related income.","src":"https://www.reddit.com/r/Twitch/comments/1mzow2q/paypal_and_wise_combo_just_froze_my_funds/","st":"public","via":"Reddit"},{"id":"hn45002990","p":"PayPal","biz":"Digital art subscription store","ind":"Adult","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Account suspended and unable to open a new one; business down for 3 months, unresolved at time of post","country":"Iceland","date":"2025-08-24","summary":"An Iceland-based seller of adult/NSFW digital art subscription bundles says PayPal suspended their account and prevented them from creating a new one, leaving them unable to take recurring payments for three months while they search for an alternative provider.","src":"https://news.ycombinator.com/item?id=45002990","st":"public","via":"Hacker News"},{"id":"1mriogz","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"","outcome":"Payouts remained unavailable after the hold period; unresolved at the time of posting","country":"","date":"2025-08-16","summary":"A business account holder says payouts remained unavailable after a 120-day hold period. They had not received a resolution by the time of the post.","src":"https://www.reddit.com/r/stripe/comments/1mriogz/stripe_after_120_day_payouts_paused/","st":"public","via":"Reddit"},{"id":"1mr8wh5","p":"eBay","biz":"Online marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"3 months","days":90,"reason":"A new policy requiring tracking information for earlier release of funds","outcome":"Funds were scheduled to become available between October 31 and November 3; unresolved at the time of the post","country":"Argentina","date":"2025-08-15","summary":"An Argentina-based marketplace seller says funds from seven sales were held for about three months. The seller was told that adding tracking information could allow earlier release.","src":"https://www.reddit.com/r/Ebay/comments/1mr8wh5/ebay_putting_my_funds_on_hold_for_3_months/","st":"public","via":"Reddit"},{"id":"1mrdxcj","p":"Stripe","biz":"Travel company","ind":"Travel","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"High-risk business","outcome":"A rolling reserve was imposed on future transactions; no resolution is stated.","country":"US","date":"2025-08-15","summary":"A US travel company says Stripe imposed a 35% rolling reserve with a 120-day hold, citing high risk. The company says the reserve strains its ability to pay vendors upfront.","src":"https://www.reddit.com/r/stripe/comments/1mrdxcj/stripe_put_a_35_rolling_reserve_on_our_account/","st":"public","via":"Reddit"},{"id":"1mpuyl0","p":"Etsy Payments","biz":"Online seller","ind":"Ecommerce","amt":"nearly $500","amt_v":500.0,"cur":"USD","len":"14 to 20 days","days":null,"reason":"Support attributed the ongoing holds to new policies","outcome":"Unresolved at time of post","country":"Spain","date":"2025-08-14","summary":"A seller in Spain says payouts are delayed and nearly $500 is being withheld, making it difficult to cover shipping and other expenses.","src":"https://www.reddit.com/r/EtsySellers/comments/1mpuyl0/etsy_keeps_holding_my_money_will_this_always_be/","st":"public","via":"Reddit"},{"id":"1mmc324","p":"Etsy Payments","biz":"Small online product seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"45 days or until orders are dispatched","days":45,"reason":"Shipping delays led to postponed dispatch dates","outcome":"Funds were still being held at the time of the post","country":"","date":"2025-08-10","summary":"A small product seller says funds from new sales are being held after shipping delays caused orders to be dispatched late.","src":"https://www.reddit.com/r/EtsySellers/comments/1mmc324/etsy_holding_funds/","st":"public","via":"Reddit"},{"id":"hn44857687","p":"Paddle","biz":"SaaS selling AI-generated headshots","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"KYC mismatch (legal name did not match records)","outcome":"Payout released from Paddle within a week after migrating to another provider","country":"","date":"2025-08-10","summary":"A SaaS founder says Paddle froze their account during a quarterly review, citing a KYC name mismatch, and told them payouts would resume after 180 days; the founder onboarded an alternative provider and the payout was released within a week.","src":"https://news.ycombinator.com/item?id=44857687","st":"public","via":"Hacker News"},{"id":"1mldgba","p":"Square","biz":"Small business","ind":"Unknown","amt":"$1,800","amt_v":1800.0,"cur":"USD","len":"","days":null,"reason":"None given.","outcome":"Verification was denied, with no appeal available; the funds remained held at the time of the post.","country":"","date":"2025-08-09","summary":"A small-business operator says Square deactivated the business account and retained $1,800 in earnings. The operator says verification was denied and no reason or appeal was provided.","src":"https://www.reddit.com/r/smallbusiness/comments/1mldgba/square_froze_my_account_took_my_1800_and_killed/","st":"public","via":"Reddit"},{"id":"1ml9dul","p":"Stripe","biz":"Merchant","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"Over two weeks","days":null,"reason":"Ongoing investigation","outcome":"Unresolved at the time of the post","country":"US","date":"2025-08-08","summary":"A merchant says funds shown as reserved remained withheld for over two weeks while the provider cited an investigation. The merchant reports filing complaints, and the hold was still unresolved.","src":"https://www.reddit.com/r/smallbusiness/comments/1ml9dul/stripe_took_reserves_without_an_active_reserve_in/","st":"public","via":"Reddit"},{"id":"1ml87gu","p":"Stripe","biz":"Vintage apparel reseller","ind":"Ecommerce","amt":"$9k","amt_v":9000.0,"cur":"USD","len":"","days":null,"reason":"High risk","outcome":"Some charges were refunded to customers; funds remained held and unresolved","country":"Japan","date":"2025-08-08","summary":"A Japan-based vintage apparel reseller’s account was flagged as high risk after a busy sales period. The post says $9k remained held while the seller sought a resolution.","src":"https://www.reddit.com/r/stripe/comments/1ml87gu/soliciting_advice_should_customers_dispute/","st":"public","via":"Reddit"},{"id":"1mir066","p":"Wise","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post; refund was delayed.","country":"Australia","date":"2025-08-06","summary":"An Australian business-account holder says the account was closed without notice or explanation and the funds had not yet been refunded.","src":"https://www.reddit.com/r/digitalnomad/comments/1mir066/class_action_lawsuit_against_wise_for_account/","st":"public","via":"Reddit"},{"id":"1mhas5v","p":"Etsy Payments","biz":"Patches and stickers seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"Over 20 days","days":null,"reason":"New-seller hold and reserve","outcome":"Still waiting for the first deposit","country":"","date":"2025-08-04","summary":"A patches and stickers seller says they are waiting over 20 days for a first deposit while funds are affected by holds and reserves.","src":"https://www.reddit.com/r/EtsySellers/comments/1mhas5v/shipping_strategy_for_a_new_seller/","st":"public","via":"Reddit"},{"id":"sc553601","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Update account details required","outcome":"Unresolved at time of post","country":"","date":"2025-08-04","summary":"A merchant reports that payouts were paused with a banner asking them to update Shopify Payments account details, but no further information or update option was found. The issue was unresolved at the time of posting.","src":"https://community.shopify.com/t/payouts-on-hold-no-informations-was-provided-only-a-red-banner-with-message/553601","st":"public","via":"Shopify Community"},{"id":"x1952296270791323886","p":"Payoneer","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account blocked completely after a manager promised answers","country":"","date":"2025-08-04","summary":"A poster says Payoneer froze their account without explanation, and after repeated emails a manager promised answers only for the account to be fully blocked the next day.","src":"https://x.com/hashamrashidkh/status/1952296270791323886","st":"public","via":"X"},{"id":"1mgljwl","p":"Stripe","biz":"Freight logistics company","ind":"Other","amt":"$1,204.94","amt_v":1204.94,"cur":"USD","len":"more than two years","days":null,"reason":"","outcome":"Unresolved; attempted withdrawals produced a support-contact error.","country":"","date":"2025-08-03","summary":"A freight logistics business owner says a balance remained unavailable for withdrawal for more than two years, despite being shown as available in the dashboard. The owner reported no open disputes and had not resolved the issue.","src":"https://www.reddit.com/r/stripe/comments/1mgljwl/stripe_has_hold_my_funds_for_over_2_years_anyone/","st":"public","via":"Reddit"},{"id":"1mdncpe","p":"Square","biz":"Caterer and farmers market bread seller","ind":"Food/Restaurant","amt":"","amt_v":null,"cur":"","len":"Until October","days":null,"reason":"","outcome":"Account deactivated; funds were to be held until October","country":"US","date":"2025-07-31","summary":"A caterer and farmers market seller says the provider deactivated the business account after an attempted transfer, with funds held until October. The post does not state whether the issue was resolved.","src":"https://www.reddit.com/r/smallbusiness/comments/1mdncpe/anyone_elses_square_got_deactivated/","st":"public","via":"Reddit"},{"id":"1maey84","p":"Etsy Payments","biz":"Digital art shop","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"","outcome":"Reserve lifted after 180 days; payouts now weekly","country":"","date":"2025-07-27","summary":"An Etsy seller of digital art says that after more than 180 days the reserve was lifted and full payouts began, but only weekly despite a daily deposit setting. They ask whether this is normal and whether another 180 days is required.","src":"https://www.reddit.com/r/Etsy/comments/1maey84/etsy_payment_hold_in_2025/","st":"public","via":"Reddit"},{"id":"1m3osv1","p":"Stripe","biz":"Business","ind":"Unknown","amt":"60,000 SEK","amt_v":60000.0,"cur":"SEK","len":"120 days","days":120,"reason":"None given","outcome":"Unresolved at the time of the post; a submitted verification package was automatically rejected.","country":"Sweden","date":"2025-07-19","summary":"A Swedish business owner says Stripe froze 60,000 SEK for 120 days without explaining why. The owner says submitted business and transaction documents were automatically rejected and the funds had not been released.","src":"https://www.reddit.com/r/stripe/comments/1m3osv1/stripe_froze_60000_sek_for_120_days_no_warning_no/","st":"public","via":"Reddit"},{"id":"1m3wwrc","p":"PayPal","biz":"Freelance writer","ind":"Freelance","amt":"$428.41","amt_v":428.41,"cur":"USD","len":"180 days","days":180,"reason":"None given","outcome":"Unresolved at time of post","country":"India","date":"2025-07-19","summary":"An 18-year-old freelance writer in India says PayPal permanently limited their account and is holding $428.41 from a completed writing job despite full proof of delivery and client confirmation, with funds only accessible after 180 days.","src":"https://www.reddit.com/r/paypal/comments/1m3wwrc/paypal_locked_my_freelance_payment_refusing_to/","st":"public","via":"Reddit"},{"id":"1m1un1f","p":"PayPal","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-07-17","summary":"A user says a client paid them through a PayPal invoice, the money was put on hold, and after submitting ID and transaction details PayPal permanently limited the account, leaving funds inaccessible for 180 days.","src":"https://www.reddit.com/r/paypal/comments/1m1un1f/help_me/","st":"public","via":"Reddit"},{"id":"1m1ahhz","p":"PayPal","biz":"Art commission freelancer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Requested proof of fulfillment, supplier purchase information, transaction details, and an explanation of the business.","outcome":"Unresolved; the freelancer was seeking approval and access to the funds.","country":"","date":"2025-07-16","summary":"An art commission freelancer says PayPal restricted their business account after a client paid a down payment. PayPal requested documents and information about the services and transaction, and the freelancer was seeking access to the funds.","src":"https://www.reddit.com/r/paypal/comments/1m1ahhz/business_account_limited_art_freelancer/","st":"public","via":"Reddit"},{"id":"1m1jef3","p":"Stripe","biz":"Startup operating a platform","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Payouts paused and the dispute remained unresolved at the time of the post","country":"","date":"2025-07-16","summary":"A startup says the provider paused payouts after fraudsters carried out card-testing attempts, leaving the business facing chargebacks and fees. The payout interruption was unresolved at the time of the post.","src":"https://www.reddit.com/r/smallbusiness/comments/1m1jef3/stripe_is_about_to_sink_our_startup_over_credit/","st":"public","via":"Reddit"},{"id":"1m0oe71","p":"Stripe","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"14 days","days":14,"reason":"","outcome":"Payouts were delayed, affecting cash flow","country":"UK","date":"2025-07-15","summary":"A UK online store owner says payouts were placed on a 14-day hold. The owner reports that the delay was affecting cash flow.","src":"https://www.reddit.com/r/stripe/comments/1m0oe71/stripe_is_holding_my_payouts_for_14_days_on_a_new/","st":"public","via":"Reddit"},{"id":"1lzqjny","p":"Stripe","biz":"Small business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Stripe said the funds required further review after the hold period.","outcome":"Unresolved at the time of the post; funds remained locked.","country":"","date":"2025-07-14","summary":"A small-business owner says Stripe continued holding their funds after a 120-day period and did not respond to requests for clarification. The owner says the issue remained unresolved and that they had filed complaints with EU consumer-protection agencies.","src":"https://www.reddit.com/r/SaaS/comments/1lzqjny/stripe_holding_funds_past_120_days_no_response/","st":"public","via":"Reddit"},{"id":"1lzg1i6","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Disputed payments","outcome":"Account remained closed and funds frozen despite the disputes being resolved in the account holder's favor","country":"","date":"2025-07-14","summary":"A payment account holder says their account was closed after six payments were disputed, and funds were frozen for 120 days. The disputes were later resolved in the account holder’s favor, but the closure and freeze remained.","src":"https://www.reddit.com/r/stripe/comments/1lzg1i6/stripe_account_is_still_blocked_even_after_i_won/","st":"public","via":"Reddit"},{"id":"x1944716751335235621","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"","outcome":"The issue remained unresolved, with no answers reported.","country":"","date":"2025-07-14","summary":"A seller says 120 days have passed without disputes, chargebacks, or answers and reports filing complaints.","src":"https://x.com/mihaelaalionte/status/1944716751335235621","st":"public","via":"X"},{"id":"1ly48qk","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider said some payments were unauthorized by customers.","outcome":"One refund had been processed; other refunds and the remaining balance were unresolved at the time of the post.","country":"","date":"2025-07-12","summary":"A business owner says Stripe closed the account over allegedly unauthorized payments and made the balance unavailable. Only one customer refund had been processed by the time of the post.","src":"https://www.reddit.com/r/stripe/comments/1ly48qk/stripe_closed_my_account_with_balance_need_advice/","st":"public","via":"Reddit"},{"id":"hn44521363","p":"Stripe","biz":"Sales and marketing platform for businesses","ind":"Services/Agency","amt":"$800k","amt_v":800000.0,"cur":"USD","len":"more than 8 months","days":240,"reason":"","outcome":"Unresolved; funds remained held","country":"","date":"2025-07-10","summary":"A sales and marketing platform says Stripe has held its funds for more than eight months despite repeated support requests and legal letters. The poster says no disputes or refunds justified the hold.","src":"https://news.ycombinator.com/item?id=44521363","st":"public","via":"Hacker News"},{"id":"1lvjqoz","p":"Etsy Payments","biz":"Marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"20 business days for the first sale","days":20,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2025-07-09","summary":"A marketplace seller says funds are rarely released promptly, with an earlier sale taking about 20 business days to pay out, and reports a reserve notification.","src":"https://www.reddit.com/r/EtsySellers/comments/1lvjqoz/has_anyone_experienced_account_reserves/","st":"public","via":"Reddit"},{"id":"1lrgpwk","p":"Dodo Payments","biz":"SaaS startup","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Internal risk policies","outcome":"Unresolved at time of post","country":"India","date":"2025-07-04","summary":"A first-time SaaS founder based in India says a payment provider approved and verified the account after weeks of integration, then placed it on hold citing internal risk policies without explanation or appeal; the issue was unresolved at the time of posting.","src":"https://www.reddit.com/r/SaaS/comments/1lrgpwk/fellow_saas_founders_im_honestly_at_my_wits_end/","st":"public","via":"Reddit"},{"id":"L508","p":"Shopify Payments","biz":"Ecommerce store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days, then another 365 days","days":120,"reason":"Account terminated","outcome":"Unresolved at time of post","country":"","date":"2025-07","summary":"An ecommerce store says Shopify Payments froze or held its funds (120 days, then another 365 days). Stated reason: Account terminated. Outcome: unresolved at time of post.","src":"https://community.shopify.com/t/payment-held-for-120-days-then-another-365-days-added/575926","st":"public","via":"Shopify Community"},{"id":"1lnrac4","p":"PayPal","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-06-29","summary":"A user says PayPal deactivated their new account holding a single invoice, and even after the 21-day hold ended they cannot withdraw the money during the 180-day period.","src":"https://www.reddit.com/r/paypal/comments/1lnrac4/withdrawal/","st":"public","via":"Reddit"},{"id":"1lhjjdi","p":"PayPal","biz":"Freelancer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"up to 21 days","days":21,"reason":"Security reasons","outcome":"Unresolved; the poster asked how to get the funds released sooner.","country":"India","date":"2025-06-22","summary":"An Indian freelancer says PayPal is holding a first client payment for up to 21 days. They contacted support to ask whether the funds could be released earlier.","src":"https://www.reddit.com/r/paypal/comments/1lhjjdi/payment_hold_for_21_days/","st":"public","via":"Reddit"},{"id":"1lh62tq","p":"PayPal","biz":"Real estate cold calling company","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"Egypt","date":"2025-06-21","summary":"A real estate cold-calling business in Egypt says PayPal permanently limited its account immediately after a client paid via PayPal, with funds stuck and no explanation or appeal option offered.","src":"https://www.reddit.com/r/paypal/comments/1lh62tq/paypal_screwed_my_business_again/","st":"public","via":"Reddit"},{"id":"1lgf0qu","p":"PayPal","biz":"Freelance illustrator and graphic designer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"An activity we could not process","outcome":"Unresolved at time of post; account under review","country":"Indonesia","date":"2025-06-20","summary":"A freelance illustrator and graphic designer in Southeast Asia says PayPal deactivated their business account citing an activity it could not process, holding funds for up to 180 days, and reports many similar cases among artists in the region.","src":"https://www.reddit.com/r/paypal/comments/1lgf0qu/paypal_has_been_deactivating_sea_freelancers/","st":"public","via":"Reddit"},{"id":"sc419642","p":"Shopify Payments","biz":"New online store","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"4 days","days":4,"reason":"Account under review","outcome":"Unresolved at time of post","country":"","date":"2025-06-16","summary":"A merchant says their Shopify Payments application was under review and payouts were on hold after they could not upload business proof. The store had not yet been published, and the issue was unresolved at the time of posting.","src":"https://community.shopify.com/t/payout-on-hold-and-no-option-to-upload-any-document/419642","st":"public","via":"Shopify Community"},{"id":"1lceqmz","p":"Stripe","biz":"Online restaurant and grocery ordering platform","ind":"Other","amt":"$12k","amt_v":12000.0,"cur":"USD","len":"3 months","days":90,"reason":"","outcome":"Funds remained unreleased and the case was unresolved at the time of the post.","country":"","date":"2025-06-15","summary":"A platform operator says Stripe banned the business after a week of sales and continued holding its remaining balance about three months later. The provider had refunded many transactions, and the operator had received no response about release of the funds.","src":"https://www.reddit.com/r/stripe/comments/1lceqmz/update_stripe_still_holding_20k_after_3_months_of/","st":"public","via":"Reddit"},{"id":"1lc39hn","p":"Etsy Payments","biz":"Online digital-products shop","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2025-06-15","summary":"A digital-products seller says a reserve is active and sales funds have not become available as expected. The seller has received conflicting explanations from support and does not know when the funds will be released.","src":"https://www.reddit.com/r/EtsySellers/comments/1lc39hn/new_shop_payment_hold/","st":"public","via":"Reddit"},{"id":"1lbi8tx","p":"Shopify Payments","biz":"Online apparel store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"High chargeback rate","outcome":"Unresolved; requested documentation was submitted but payouts remained on hold","country":"","date":"2025-06-14","summary":"An online apparel seller says payouts were put on hold after the provider cited an elevated chargeback rate, and the hold remained after documentation was submitted.","src":"https://www.reddit.com/r/shopify/comments/1lbi8tx/shopify_payments_put_my_payouts_on_hold_due_to_a/","st":"public","via":"Reddit"},{"id":"1lavcyx","p":"Stripe","biz":"Trading card seller","ind":"Other","amt":"$250","amt_v":250.0,"cur":"USD","len":"","days":null,"reason":"","outcome":"The balance remained inaccessible, and its disposition was unresolved.","country":"","date":"2025-06-14","summary":"A trading card seller says Stripe closed the account and left a balance inaccessible. The seller had submitted available documentation but had not received a clear answer about whether the money would be refunded.","src":"https://www.reddit.com/r/stripe/comments/1lavcyx/need_a_question_in_regards_to_closed_account/","st":"public","via":"Reddit"},{"id":"1l7qv56","p":"Revolut Business","biz":"Custom candy business","ind":"Food/Restaurant","amt":"$60,000","amt_v":60000.0,"cur":"USD","len":"14 days or more","days":14,"reason":"","outcome":"The transfer eventually went through and account access was restored; the business was later notified that the account would be closed.","country":"US","date":"2025-06-10","summary":"A US custom candy business says its account was locked after a $60,000 international business transfer, disrupting a planned production run. The transfer eventually went through, but the provider later notified the business that its account would be closed.","src":"https://www.reddit.com/r/Revolut/comments/1l7qv56/revolut_withheld_60000_for_a_regular_business/","st":"public","via":"Reddit"},{"id":"1l45p68","p":"Revolut Business","biz":"Freelance content and video production business","ind":"Freelance","amt":"€800","amt_v":800.0,"cur":"EUR","len":"90 days","days":90,"reason":"Compliance review; requested transaction proof, business info, portfolio links and private client chat logs","outcome":"Unresolved at time of post; account still frozen, considering formal complaints","country":"Netherlands","date":"2025-06-05","summary":"A Netherlands-based freelance content and video production business says its Revolut Pro account was frozen hours after receiving a legitimate €800 client payment, with the provider demanding private client chat logs and stating funds could be held for 90 days. The issue was unresolved at the time of posting.","src":"https://www.reddit.com/r/Revolut/comments/1l45p68/warning_to_freelancers_my_revolut_pro_account_was/","st":"public","via":"Reddit"},{"id":"hn44181957","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Chargeback ratio concerns","outcome":"Account shut down","country":"","date":"2025-06-04","summary":"A commenter describes witnessing a payment processor shut down a merchant account that had a 0% chargeback ratio and was processing over $10MM in monthly sales, saying the provider prioritizes its own chargeback rates over the business.","src":"https://news.ycombinator.com/item?id=44181957","st":"public","via":"Hacker News"},{"id":"1l3h405","p":"Square","biz":"Service business","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"until September","days":null,"reason":"","outcome":"Three other client payments were being held until September; unresolved at the time of the post","country":"","date":"2025-06-04","summary":"A small service business says Square refunded a client for a completed job and then held payments from three other clients until September. The amount of those held payments is not stated.","src":"https://www.reddit.com/r/smallbusiness/comments/1l3h405/invoices_and_card_processing_app/","st":"public","via":"Reddit"},{"id":"sc417548","p":"Shopify Payments","biz":"Online store","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"4 weeks","days":28,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-06-03","summary":"A Shopify consultant says a client's store received one payout in early May and has had all payouts on hold for four weeks, with support giving mixed messages and no further information.","src":"https://community.shopify.com/t/payouts-on-hold/417548","st":"public","via":"Shopify Community"},{"id":"1l10nan","p":"Stripe","biz":"Apparel and home decor seller","ind":"Ecommerce","amt":"6 figures","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Account closed and funds held; seeking another processor","country":"US","date":"2025-06-01","summary":"A seller operating through a U.S. LLC says Stripe closed its account and held six figures after the business scaled. The seller says it submitted documents showing the business was legitimate and is seeking another processor.","src":"https://www.reddit.com/r/Entrepreneur/comments/1l10nan/i_need_a_payment_processormerchant_to_handle_100k/","st":"public","via":"Reddit"},{"id":"x1929042353471500321","p":"Stripe","biz":"Short-term rental company","ind":"Travel","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"The company says it has been unable to reach the processor.","country":"","date":"2025-06-01","summary":"A short-term rental company says it moved substantial processing elsewhere and still has funds withheld.","src":"https://x.com/angiesstays/status/1929042353471500321","st":"public","via":"X"},{"id":"1kyyznr","p":"Etsy Payments","biz":"Online marketplace shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2025-05-30","summary":"A marketplace seller says payments were placed on temporary hold after a mistaken purchase attempt led to an account suspension that was later reversed. Support said it would investigate, but the funds remained unavailable.","src":"https://www.reddit.com/r/EtsySellers/comments/1kyyznr/funds_on_temporary_hold/","st":"public","via":"Reddit"},{"id":"1kvpeim","p":"PayPal","biz":"","ind":"Unknown","amt":"$17,000 AUD","amt_v":17000.0,"cur":"AUD","len":"180 days","days":180,"reason":"Suspected fraudulent activity","outcome":"Cleared but funds not released; unresolved at time of post","country":"Australia","date":"2025-05-26","summary":"An Australia-based business says PayPal held $17,000 AUD for 180 days over suspected fraudulent activity, then said it was cleared but never released the funds.","src":"https://www.reddit.com/r/paypal/comments/1kvpeim/paypal_held_17k_aud_for_180_days_cleared_me_then/","st":"public","via":"Reddit"},{"id":"1kuy71y","p":"Stripe","biz":"Client-services business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"over 6 months","days":180,"reason":"Potential refunds.","outcome":"The provider said it would hold the funds until May 2025; release was not confirmed.","country":"UK","date":"2025-05-25","summary":"A UK business owner says the provider continued holding funds for potential refunds despite clients saying they did not want refunds and documents being submitted. The owner says the provider gave no proper explanation.","src":"https://www.reddit.com/r/stripe/comments/1kuy71y/stripe_is_holding_my_funds_for_6_months_with_no/","st":"public","via":"Reddit"},{"id":"hn44075038","p":"Stripe","biz":"Indie web-based word game","ind":"Gaming","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"violation of Stripe Services Agreement; restricted businesses; using Stripe to store value; initial charges to own card","outcome":"Account closed; payment link broken; unresolved.","country":"","date":"2025-05-23","summary":"A solo developer says Stripe closed the account for a web-based word game, citing a violation of its services agreement and restricted-business categories; the payment link stopped working and the developer is seeking an alternative provider.","src":"https://news.ycombinator.com/item?id=44075038","st":"public","via":"Hacker News"},{"id":"1ktxf6a","p":"Other processor","biz":"Small business","ind":"Unknown","amt":"over $600","amt_v":600.0,"cur":"USD","len":"","days":null,"reason":"Demanded additional processing before releasing funds","outcome":"Filed complaints with CFPB, TSYS, and other agencies; unresolved at time of post","country":"US","date":"2025-05-23","summary":"A small business owner says a payment processor withdrew a $4,728 early termination fee, withheld over $600 in cleared funds, and threatened MATCH listing after they tried to close their merchant account.","src":"https://www.reddit.com/r/smallbusiness/comments/1ktxf6a/has_anyone_else_had_problems_with_ippintpaypro_or/","st":"public","via":"Reddit"},{"id":"1kq14uk","p":"PayPal","biz":"Local and online small business","ind":"Unknown","amt":"a little over $15,000","amt_v":15000.0,"cur":"USD","len":"up to 180 days","days":180,"reason":"Risk review.","outcome":"Unresolved at the time of the post; the business was waiting for a decision.","country":"US","date":"2025-05-19","summary":"A US small-business owner says PayPal froze a little over $15,000 in business funds for a risk review. The business submitted invoices, delivery proof, and client emails, but had not received a decision.","src":"https://www.reddit.com/r/smallbusiness/comments/1kq14uk/paypal_froze_over_15000_of_our_business_funds_has/","st":"public","via":"Reddit"},{"id":"1koc11k","p":"PayPal","biz":"","ind":"Unknown","amt":"$938","amt_v":938.0,"cur":"USD","len":"180 days","days":180,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-05-16","summary":"A user says their business PayPal account, opened on company details, was permanently suspended after three transactions with a $938 balance, which they were told they could withdraw after 180 days.","src":"https://www.reddit.com/r/paypal/comments/1koc11k/paypal_permanently_suspended/","st":"public","via":"Reddit"},{"id":"1kn7kxm","p":"PayPal","biz":"Synthesizer seller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"Violation of user agreement (no details)","outcome":"Account permanently blocked; appeal not possible; unresolved at time of post","country":"","date":"2025-05-15","summary":"A seller of synthesizers says PayPal permanently blocked the business account after an account review, freezing funds for 180 days. The provider cited a user agreement violation without details, and the poster says an appeal is not possible.","src":"https://www.reddit.com/r/paypal/comments/1kn7kxm/paypal_permanently_limited_my_business_account_no/","st":"public","via":"Reddit"},{"id":"hn43981648","p":"PayPal","biz":"SaaS platform selling WordPress plugins","ind":"SaaS/Software","amt":"€80,000","amt_v":80000.0,"cur":"EUR","len":"","days":null,"reason":"Terms of Service violation","outcome":"Unresolved at time of post; support tickets unanswered","country":"","date":"2025-05-14","summary":"A SaaS operator selling WordPress plugins says PayPal suspended their account and froze a balance of €80,000, citing a Terms of Service violation without specifics, and support stopped responding.","src":"https://news.ycombinator.com/item?id=43981648","st":"public","via":"Hacker News"},{"id":"hn43983066","p":"Wise","biz":"","ind":"Unknown","amt":"$60k AUD","amt_v":60000.0,"cur":"AUD","len":"","days":null,"reason":"","outcome":"Access still refused at the time of the post","country":"Australia","date":"2025-05-14","summary":"An Australian account holder says Wise is refusing access to $60k AUD and questions the risks of using such services for business.","src":"https://news.ycombinator.com/item?id=43983066","st":"public","via":"Hacker News"},{"id":"1kl85t9","p":"Stripe","biz":"Mobile contracting business","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Stripe flagged the account after large initial transfers and a website maintenance outage; the stated reason for PayPal's flagging is not given","outcome":"Funds were withheld, and the business could not transfer PayPal funds to pay labor and materials","country":"","date":"2025-05-13","summary":"A mobile contracting business says Stripe flagged its account after large initial transfers and later withheld 35% after a website outage, while PayPal also flagged the account and prevented transfers. The business says the restrictions were disrupting payments for labor and materials.","src":"https://www.reddit.com/r/smallbusiness/comments/1kl85t9/cc_processing_system_for_mobile_contractor_stripe/","st":"public","via":"Reddit"},{"id":"1klum1j","p":"Stripe","biz":"AI application","ind":"SaaS/Software","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Restricted business classification for adult content.","outcome":"The account was closed and payouts paused; the owner says the decision remained unresolved.","country":"","date":"2025-05-13","summary":"An AI application operator says Stripe closed the account under a restricted adult-content classification and paused payouts. The operator says support did not provide specific details despite receiving evidence about a corrected technical issue.","src":"https://www.reddit.com/r/stripe/comments/1klum1j/our_25kmo_1year_ai_app_suddenly_closed_due_to/","st":"public","via":"Reddit"},{"id":"sc414043","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"3 months","days":90,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2025-05-13","summary":"An online merchant says payouts had been on hold for three months and repeated support contacts had not advanced the case. The merchant had not received the promised follow-up.","src":"https://community.shopify.com/t/payouts-on-hold-for-3-months/414043","st":"public","via":"Shopify Community"},{"id":"1klht66","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"The account was closed and the funds were being held; no resolution was stated.","country":"US","date":"2025-05-13","summary":"A US LLC owner says the payment account was closed and the provider began refunding recent payments. The post says $12.000 was being held, with no resolution reported.","src":"https://www.reddit.com/r/stripe/comments/1klht66/stripe_closed_my_account_started_refunding_last/","st":"public","via":"Reddit"},{"id":"1kkrki4","p":"PayPal","biz":"Record seller on Discogs and eBay","ind":"Marketplace seller","amt":"$500","amt_v":500.0,"cur":"USD","len":"","days":null,"reason":"Business relationship ended","outcome":"Limitations removed about three months later","country":"","date":"2025-05-12","summary":"A record seller says PayPal permanently banned them after a buyer used disputes and a return-switch scam, then unexpectedly removed the limitation about three months later.","src":"https://www.reddit.com/r/paypal/comments/1kkrki4/permanent_ban_mysteriously_removed_without_my/","st":"public","via":"Reddit"},{"id":"1kj5dg6","p":"PayPal","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account remained limited at time of post","country":"","date":"2025-05-10","summary":"A PayPal Business seller says their account was permanently limited without explanation a few months earlier, then received an email raising their instant-access sales limit, which they found confusing since the account was still banned.","src":"https://www.reddit.com/r/paypal/comments/1kj5dg6/why_would_paypal_send_me_this_email/","st":"public","via":"Reddit"},{"id":"1kjksrm","p":"Stripe","biz":"Supplement e-commerce business","ind":"Health/Supplements","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Seeking an alternative processor","country":"","date":"2025-05-10","summary":"A supplement e-commerce operator says Stripe shut off an account and held funds, and asks for a lower-cost alternative.","src":"https://www.reddit.com/r/ecommerce/comments/1kjksrm/new_business_owner_help/","st":"public","via":"Reddit"},{"id":"1kivhc3","p":"Stripe","biz":"Business processing client payments","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"60-day rolling reserve; payouts paused until September 3, 2025","days":60,"reason":"The provider cited elevated risk, alleged unauthorized payments, and later an unacceptable level of risk","outcome":"The account was set for closure; funds were to be reversed, with any remaining balance not made available","country":"UK","date":"2025-05-09","summary":"A UK business operator says the provider first imposed a rolling reserve and then paused payouts after citing risk and alleged unauthorized payments. After appeals, the account was set for closure and the remaining balance was threatened with forfeiture.","src":"https://www.reddit.com/r/stripe/comments/1kivhc3/high_risk_business_payout_paused/","st":"public","via":"Reddit"},{"id":"1k98lyu","p":"Stripe","biz":"AI and technology consulting business","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider cited unauthorized payments.","outcome":"The account was reopened after the provider reviewed documents and confirmed the business and identity.","country":"UAE","date":"2025-04-27","summary":"A UAE-based AI and technology services business says its account was closed and its balance frozen after the provider cited unauthorized payments. After submitting documents and pursuing a manual review, the business says the account was reopened.","src":"https://www.reddit.com/r/stripe/comments/1k98lyu/i_have_been_defending_stripe_but_now_my_account/","st":"public","via":"Reddit"},{"id":"sc411003","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"over 220 days","days":220,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-04-26","summary":"A seller says their Shopify Payments payouts have been on hold for over 220 days despite contacting support 30-40 times. They report being repeatedly told to wait for the payments team, who never contacted them.","src":"https://community.shopify.com/t/payout-has-been-on-hold-for-over-220-days/411003","st":"public","via":"Shopify Community"},{"id":"1k7j65y","p":"PayPal","biz":"Online resale business","ind":"Marketplace seller","amt":"$200","amt_v":200.0,"cur":"USD","len":"","days":null,"reason":"Activity was said to be inconsistent with the User Agreement.","outcome":"The account was permanently limited, and the funds remained inaccessible at the time of the post.","country":"","date":"2025-04-25","summary":"A small online reseller says the account was permanently limited and $200 was inaccessible, including money intended for shipping.","src":"https://www.reddit.com/r/paypal/comments/1k7j65y/paypal_account_permanently_limited/","st":"public","via":"Reddit"},{"id":"1k7uonp","p":"Etsy Payments","biz":"Online marketplace shop","ind":"Marketplace seller","amt":"$387","amt_v":387.0,"cur":"USD","len":"92 days since the first sale","days":null,"reason":"","outcome":"Unresolved; support had not replied","country":"US","date":"2025-04-25","summary":"A US marketplace seller says the provider is still holding $387 from sales despite delivered orders and no policy violations. The seller says the funds are needed to restock.","src":"https://www.reddit.com/r/EtsySellers/comments/1k7uonp/its_been_92_days_since_my_first_sale_and_i_still/","st":"public","via":"Reddit"},{"id":"sc410809","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"12 days","days":12,"reason":"Merchant verification","outcome":"Unresolved at time of post","country":"","date":"2025-04-25","summary":"A merchant says they replied to a merchant verification email but received no response and have been waiting 12 days without access to their funds.","src":"https://community.shopify.com/t/payouts-on-hold/410809","st":"public","via":"Shopify Community"},{"id":"1k614s0","p":"Stripe","biz":"Business","ind":"Unknown","amt":"£2000","amt_v":2000.0,"cur":"GBP","len":"","days":null,"reason":"Stripe said it was investigating.","outcome":"Unresolved at the time of the post; payouts were paused.","country":"UK","date":"2025-04-23","summary":"A UK business owner says Stripe paused payouts and held £2000 while continuing to collect payments. The owner says support provided no clear reason beyond saying the matter was under investigation.","src":"https://www.reddit.com/r/stripe/comments/1k614s0/stripe_holding_funds_without_clear_explanation/","st":"public","via":"Reddit"},{"id":"1k656ea","p":"Stripe","biz":"Business","ind":"Unknown","amt":"£22,000","amt_v":22000.0,"cur":"GBP","len":"","days":null,"reason":"","outcome":"Funds due to be released disappeared from the account balance; the issue remained unresolved.","country":"UK","date":"2025-04-23","summary":"A UK business says Stripe closed its account and reserved £22,000, which was due for release but later disappeared from the account display.","src":"https://www.reddit.com/r/stripe/comments/1k656ea/account_closure_and_held_in_reserve/","st":"public","via":"Reddit"},{"id":"sc409957","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"over a week","days":null,"reason":"Account verification required before payout account change","outcome":"Unresolved at time of post","country":"","date":"2025-04-21","summary":"A merchant says Shopify locked all payouts after an issue changing the payout account and requested verification documents, which were submitted promptly. Funds reportedly remain locked over a week later, with support saying it can only mark the case high priority and the payments team unresponsive.","src":"https://community.shopify.com/t/payouts-on-hold/409957","st":"public","via":"Shopify Community"},{"id":"sc408961","p":"Shopify Payments","biz":"Small business","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"18 days","days":18,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2025-04-16","summary":"A small-business owner says payouts have been held for 18 days despite responding to requests and contacting support. The hold remains unresolved.","src":"https://community.shopify.com/t/payout-hold/408961","st":"public","via":"Shopify Community"},{"id":"1jyqdkb","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Ongoing review","outcome":"Payouts remained paused with no estimated update time","country":"","date":"2025-04-14","summary":"A Stripe account holder says payouts were paused during an ongoing review, with no timeline provided for an update.","src":"https://www.reddit.com/r/stripe/comments/1jyqdkb/stripe_paused_payouts_again_ongoing_review/","st":"public","via":"Reddit"},{"id":"1jxjmxt","p":"Stripe","biz":"Merchant business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"The poster says remaining funds may not be made available and reports receiving no clear answer.","country":"","date":"2025-04-12","summary":"A merchant says Stripe closed the account and indicated that any balance left after eligible refunds would not be made available. The post does not state the amount or the final outcome.","src":"https://www.reddit.com/r/stripe/comments/1jxjmxt/account_closed_and_money_taken/","st":"public","via":"Reddit"},{"id":"x1910744343482359952","p":"PayPal","biz":"Small business selling goods online","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"The poster says the funds were held without cause.","outcome":"Funds were held; no resolution is stated.","country":"","date":"2025-04-11","summary":"A small online seller says PayPal held money for orders that had already been delivered. The post warns that funds may be withheld for 120 days.","src":"https://x.com/IamJerJer/status/1910744343482359952","st":"public","via":"X"},{"id":"1jwoo51","p":"Stripe","biz":"Sole trader","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"5 days","days":5,"reason":"Pending tax verification","outcome":"Unresolved at the time of posting","country":"UK","date":"2025-04-11","summary":"A UK sole trader says payouts had been paused for five days over pending tax verification. They had submitted their self-assessment tax reference but were still waiting for clarification.","src":"https://www.reddit.com/r/stripe/comments/1jwoo51/stripe_payouts_paused_pending_tax_id_verification/","st":"public","via":"Reddit"},{"id":"sc407089","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-04-08","summary":"A seller says their Shopify Payments payouts were put on hold after they enabled International Markets, with no warning beforehand. They are waiting for customer support to reach out.","src":"https://community.shopify.com/t/i-enabled-international-markets-now-payouts-are-on-hold/407089","st":"public","via":"Shopify Community"},{"id":"1jtb4kz","p":"Stripe","biz":"Small business","ind":"Unknown","amt":"HK$11,707.98","amt_v":11707.98,"cur":"HKD","len":"","days":null,"reason":"The provider said the business was too high risk.","outcome":"Funds remained withheld after the complaint; the case was unresolved at the time of the post.","country":"Hong Kong","date":"2025-04-07","summary":"A Hong Kong small-business owner says Stripe froze the account and withheld HK$11,707.98. The provider declined to release the funds, citing risk, and the owner had not received a further resolution.","src":"https://www.reddit.com/r/stripe/comments/1jtb4kz/stripe_froze_my_funds_without_explanation_and/","st":"public","via":"Reddit"},{"id":"1jp29u4","p":"Etsy Payments","biz":"Online digital-listings shop","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"45 days","days":45,"reason":"Reserve on the payment account","outcome":"A payout was scheduled before the reserve period ended, but the seller was unsure whether it would go through","country":"","date":"2025-04-01","summary":"A new digital-listings seller says half of the funds are subject to a 45-day reserve. Some funds appeared available for an earlier scheduled payout, but the seller was unsure whether it would be paid.","src":"https://www.reddit.com/r/EtsySellers/comments/1jp29u4/new_shop_payout_with_payoneer_scheduled_earlier/","st":"public","via":"Reddit"},{"id":"1jnpcl6","p":"PayPal","biz":"","ind":"Unknown","amt":"nearly $14k","amt_v":14000.0,"cur":"USD","len":"21 days","days":21,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2025-03-30","summary":"A small business owner says PayPal has been holding nearly $14k for 21 days, and they fear their business will collapse if the funds are not released.","src":"https://www.reddit.com/r/smallbusiness/comments/1jnpcl6/i_am_scared/","st":"public","via":"Reddit"},{"id":"1jl5zj9","p":"Stripe","biz":"Online store","ind":"Ecommerce","amt":"$10,369.32","amt_v":10369.32,"cur":"USD","len":"","days":null,"reason":"","outcome":"The reserve disappeared after refunds, while the account showed a negative balance; unresolved at the time of the post.","country":"","date":"2025-03-27","summary":"An online seller says Stripe removed a reserve of $10,369.32 after refunds and left the account showing a negative balance. The poster disputes how the reserve was applied.","src":"https://www.reddit.com/r/stripe/comments/1jl5zj9/stripe_took_my_money/","st":"public","via":"Reddit"},{"id":"1jkotm1","p":"Stripe","biz":"Vintage clothing shop","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Payments were suspended pending enhanced due diligence.","outcome":"Unresolved at the time of the post.","country":"","date":"2025-03-26","summary":"A vintage clothing shop says Stripe suspended payments after the shop enabled a dispute-management feature. The shop reported having orders to fulfill and could not access its funds.","src":"https://www.reddit.com/r/stripe/comments/1jkotm1/sos_stripe_froze_my_payments_after_enabling_rdr/","st":"public","via":"Reddit"},{"id":"sc402786","p":"Shopify Payments","biz":"Florist","ind":"Retail (in-person)","amt":"over 20k","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-03-24","summary":"A florist business says Shopify Payments was enabled 12 days earlier and all sales payouts, described as over 20k, were being held without communication. The poster says the hold was crippling cash flow during a busy Mother's Day week.","src":"https://community.shopify.com/t/urgent-shopify-holding-onto-payouts/402786","st":"public","via":"Shopify Community"},{"id":"1jif07u","p":"Wise","biz":"IT services provider","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Trading address","outcome":"Funds that had been on hold were received.","country":"Morocco","date":"2025-03-24","summary":"A Morocco-based IT services provider says a business account was closed, apparently over its trading address, and funds that had been held were returned.","src":"https://www.reddit.com/r/digitalnomad/comments/1jif07u/revolut_bank_account_llc_fnr/","st":"public","via":"Reddit"},{"id":"1jh4wtn","p":"Shopify Payments","biz":"Online trading-card reseller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"48 hours","days":null,"reason":"The provider requested documents about order fulfillment; the merchant says they missed the email.","outcome":"Unresolved at the time of the post; the store was disabled and funds were inaccessible","country":"","date":"2025-03-22","summary":"A trading-card reseller says Shopify Payments paused payouts while requesting fulfillment documents, and the store was subsequently disabled after the merchant missed the email. The merchant reported being unable to access funds or order information, with the issue ongoing after 48 hours.","src":"https://www.reddit.com/r/shopify/comments/1jh4wtn/my_shopify_shop_has_been_disabled_by_shopify_and/","st":"public","via":"Reddit"},{"id":"1jh96ii","p":"Stripe","biz":"Online video game reseller","ind":"Ecommerce","amt":"around 330-ish euros","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"None given","outcome":"Account closed and payouts paused for 120 days; review did not change the decision","country":"","date":"2025-03-22","summary":"An online video game reseller says their account was closed and roughly 330 euros in funds was frozen for 120 days. They say the provider gave no reason and their review request did not change the decision.","src":"https://www.reddit.com/r/stripe/comments/1jh96ii/stripe_issue/","st":"public","via":"Reddit"},{"id":"1jg2mmc","p":"Etsy Payments","biz":"Digital product shop","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"Up to 45 days with no tracking requirement met, or 90 days without tracking","days":null,"reason":"Recent changes in the shop or activity","outcome":"Unresolved at the time of the post","country":"","date":"2025-03-20","summary":"A new digital-products seller says the provider placed a reserve on sales, with funds held for up to 45 days or 90 days without tracking. The seller is unsure what triggered the reserve.","src":"https://www.reddit.com/r/EtsySellers/comments/1jg2mmc/my_shop_received_a_reserve_lock_on_payment/","st":"public","via":"Reddit"},{"id":"hn43422906","p":"Stripe","biz":"Coffee cart","ind":"Food/Restaurant","amt":"over $50,000","amt_v":50000.0,"cur":"USD","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"US","date":"2025-03-20","summary":"A US coffee cart operator says Stripe froze the business account and blocked withdrawals of a balance exceeding $50,000. The post does not state whether the funds were later released.","src":"https://news.ycombinator.com/item?id=43422906","st":"public","via":"Hacker News"},{"id":"1jef33f","p":"PayPal","biz":"Online services seller","ind":"Services/Agency","amt":"almost $4,500","amt_v":4500.0,"cur":"USD","len":"180 days","days":180,"reason":"Risk involved with account","outcome":"Account permanently closed; chargebacks ruled in favor of customer; lost almost $4,500; unresolved at time of post","country":"US","date":"2025-03-18","summary":"An online services seller says PayPal permanently closed the account for risk and later lost chargeback cases filed through a bank, leaving a negative balance and an almost $4,500 loss. The poster waited 180 days and is considering legal action.","src":"https://www.reddit.com/r/paypal/comments/1jef33f/paypal_limited_my_account_randomly_then/","st":"public","via":"Reddit"},{"id":"1jegg6n","p":"Etsy Payments","biz":"Print-on-demand seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"Until a valid tracking number is added","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2025-03-18","summary":"A seller says the provider placed a reserve after the shop's fifth sale, withholding 30% until valid tracking is added. The seller says tracking is normally submitted automatically.","src":"https://www.reddit.com/r/Etsy/comments/1jegg6n/temporary_payment_reserve_why/","st":"public","via":"Reddit"},{"id":"1je6udk","p":"Square","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"until June","days":null,"reason":"None given","outcome":"Account deactivated, funds held until June","country":"","date":"2025-03-18","summary":"A small business owner says Square placed a lengthy hold on funds and deactivated their account without explanation, leaving them without payment until June.","src":"https://www.reddit.com/r/smallbusiness/comments/1je6udk/small_business_owners_beware_of_square/","st":"public","via":"Reddit"},{"id":"1jd03r5","p":"Etsy Payments","biz":"Online marketplace shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"Canada","date":"2025-03-17","summary":"A Canadian marketplace seller says the provider placed a 30% reserve but no money had been added to the payment account. The seller says many orders go to Europe and are shipped without tracking.","src":"https://www.reddit.com/r/EtsySellers/comments/1jd03r5/30_payment_reserve_but_0_in_payment_account/","st":"public","via":"Reddit"},{"id":"1j9pxs0","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"until May 10th","days":null,"reason":"","outcome":"Appeal rejected; the reserve remained in place until May 10th.","country":"US","date":"2025-03-12","summary":"A US business says Stripe placed a 25% reserve after a customer disputed four transactions. The business appealed, but the reserve was not released.","src":"https://www.reddit.com/r/stripe/comments/1j9pxs0/reserve_on_stipe_account_i_also_have_capital_loan/","st":"public","via":"Reddit"},{"id":"1j8uuxp","p":"PayPal","biz":"Contractor","ind":"Freelance","amt":"$16,000","amt_v":16000.0,"cur":"USD","len":"21 days","days":21,"reason":"","outcome":"Unresolved at time of post; release was scheduled for March 30","country":"","date":"2025-03-11","summary":"A contractor says a first $16,000 PayPal payment was held for 21 days, with release scheduled for March 30. The contractor was unsure whether it might be released earlier.","src":"https://www.reddit.com/r/paypal/comments/1j8uuxp/first_time_using_paypal_for_a_16000_payment_and/","st":"public","via":"Reddit"},{"id":"1j74c0n","p":"Stripe","biz":"Creator receiving donations","ind":"Creator/Digital products","amt":"around $55","amt_v":55.0,"cur":"USD","len":"since March 6th","days":null,"reason":"Unresolved account tasks","outcome":"Payout remained in transit and the account was rejected","country":"","date":"2025-03-09","summary":"A creator says a payout of around $55 in donations remained in transit after account tasks were flagged. The payment account was later rejected, and the creator had not received a clear explanation.","src":"https://www.reddit.com/r/stripe/comments/1j74c0n/money_is_in_transit_and_stripe_just_tells_me/","st":"public","via":"Reddit"},{"id":"sc399149","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"since June 13, 2024","days":null,"reason":"Payout issue with bank account, per provider","outcome":"Unresolved at time of post","country":"","date":"2025-03-07","summary":"A seller says Shopify Payments has held their payouts since June 13, 2024, after an issue with a second payout. Despite updating bank details and repeated escalations, they report no contact or information.","src":"https://community.shopify.com/t/my-payouts-are-on-hold-support-advisors-escalate-issues-with-progress-what-can-i-do/399149","st":"public","via":"Shopify Community"},{"id":"1j5t2pw","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account remained disabled and payouts remained unavailable; unresolved at the time of the post.","country":"","date":"2025-03-07","summary":"A business owner says Stripe disabled the account and payouts despite providing inventory documentation and making repeated support requests. The owner says no clear reason was given and was unsure whether customer payments would be refunded.","src":"https://www.reddit.com/r/stripe/comments/1j5t2pw/stripe_closed_disabled_update_2/","st":"public","via":"Reddit"},{"id":"1j3g9pr","p":"Stripe","biz":"","ind":"Unknown","amt":"$1500","amt_v":1500.0,"cur":"USD","len":"2 weeks","days":14,"reason":"None given","outcome":"Unresolved at the time of the post; payouts had stopped and the balance showed $0.","country":"","date":"2025-03-04","summary":"A business owner says Stripe halted payouts without notice and that a balance of around $1500 later showed as $0. They had not received an explanation and had not resolved the issue.","src":"https://www.reddit.com/r/stripe/comments/1j3g9pr/stripe_is_currently_holding_thousands_of_dollars/","st":"public","via":"Reddit"},{"id":"1izvdze","p":"PayPal","biz":"Boat mechanic and seller","ind":"Retail (in-person)","amt":"","amt_v":null,"cur":"","len":"21 days","days":21,"reason":"","outcome":"Unresolved at time of post","country":"Canada","date":"2025-02-28","summary":"A Canadian boat mechanic and seller says PayPal held funds from a credit card payment for 21 days, causing concern about cash flow for parts.","src":"https://www.reddit.com/r/smallbusiness/comments/1izvdze/credit_card_payment_woes/","st":"public","via":"Reddit"},{"id":"1iyg8n8","p":"Stripe","biz":"Business charging clients","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Account review after a bank account change","outcome":"Payouts remained paused while the review was ongoing","country":"","date":"2025-02-26","summary":"A business charging clients says its account was frozen and payouts paused after its bank account was changed. The provider was still reviewing the account and had not given a timeline.","src":"https://www.reddit.com/r/stripe/comments/1iyg8n8/account_review_payouts_paused_after_updating_bank/","st":"public","via":"Reddit"},{"id":"sc396849","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Violation of Acceptable Use Policy","outcome":"Appeal submitted, no response; unresolved at time of post","country":"","date":"2025-02-25","summary":"A store owner says Shopify closed their store without warning for an Acceptable Use Policy violation, leaving the store inaccessible and pending payouts unreleased. An appeal form was submitted with no response, and the provider's email address is reportedly unmonitored.","src":"https://community.shopify.com/t/shopify-closed-my-store-without-warning-holding-my-payout-what-can-i-do/396849","st":"public","via":"Shopify Community"},{"id":"sc396850","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Violation of Acceptable Use Policy","outcome":"Appeal submitted, no response; unresolved at time of post","country":"","date":"2025-02-25","summary":"A store owner reports that Shopify permanently closed their store for an Acceptable Use Policy violation without specific details or warning, and has not released pending payouts. They submitted the provided appeal form but received no response and say the support address is unmonitored.","src":"https://community.shopify.com/t/shopify-closed-my-store-holding-my-payout-need-urgent-help/396850","st":"public","via":"Shopify Community"},{"id":"x1894449906531590517","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unable to create payouts; funds not withdrawn","country":"","date":"2025-02-25","summary":"A poster says the provider closed their account and stated that the balance would be available on a specified date. When they later tried to withdraw it, payouts could not be created.","src":"https://x.com/Tracey822680831/status/1894449906531590517","st":"public","via":"X"},{"id":"1iwlu72","p":"Stripe","biz":"Subscription membership and online course business","ind":"Coaching/Courses","amt":"$3,500 and $13,000","amt_v":null,"cur":"","len":"Indefinitely","days":null,"reason":"None given.","outcome":"The accounts were suspended, and the poster reported the funds remained frozen with no recovery reported.","country":"","date":"2025-02-23","summary":"A subscription and online-course business owner says the payment accounts were suspended on two occasions, leaving $3,500 and later $13,000 frozen. The owner says no explanation was provided and the funds remained inaccessible.","src":"https://www.reddit.com/r/stripe/comments/1iwlu72/how_stripe_freezes_users_money_my_story/","st":"public","via":"Reddit"},{"id":"sc396501","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"10k USD","amt_v":10000.0,"cur":"USD","len":"over 8 days","days":8,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-02-22","summary":"A merchant reports that Shopify has been holding over 10k USD in payouts for more than eight days with no real response from support, only being told to wait. The poster says their business and personal life are at risk.","src":"https://community.shopify.com/t/shopify-holding-my-payout/396501","st":"public","via":"Shopify Community"},{"id":"1itxrs9","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"About 14 days","days":14,"reason":"None given","outcome":"Payouts were sent and arrived after the delay.","country":"","date":"2025-02-20","summary":"An online seller says Shopify did not issue payouts after a new product sold out, putting order fulfillment at risk. After roughly two weeks without a clear explanation, the funds were sent.","src":"https://www.reddit.com/r/shopify/comments/1itxrs9/shopify_not_sending_payouts_for_over_a_week/","st":"public","via":"Reddit"},{"id":"1isssf1","p":"Stripe","biz":"Company","ind":"Unknown","amt":"$1,000","amt_v":1000.0,"cur":"USD","len":"120 days","days":120,"reason":"High risk","outcome":"The account was shut down; the remaining funds were said to be payable after 120 days, and a later ACH debit left the business with a negative balance.","country":"US","date":"2025-02-19","summary":"A US company says Stripe paused payments and held its remaining $1,000 after flagging the account as high risk. The account was later shut down, and the poster reports an ACH debit that left the business with a negative balance.","src":"https://www.reddit.com/r/stripe/comments/1isssf1/stripe_is_a_fraudulent_company/","st":"public","via":"Reddit"},{"id":"1irybwn","p":"Shopify Payments","biz":"Digital fitness ebook seller","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"The provider cited a violation of its Acceptable Use Policy.","outcome":"The account was closed; the notice said pending payouts are typically held for 120 days.","country":"","date":"2025-02-17","summary":"A digital fitness ebook seller says the platform closed the account for an alleged Acceptable Use Policy violation. The notice stated that pending payouts would typically be held for 120 days.","src":"https://www.reddit.com/r/shopify/comments/1irybwn/account_banned_and_im_not_sure_why/","st":"public","via":"Reddit"},{"id":"1iqf4j4","p":"Stripe","biz":"Product seller","ind":"Ecommerce","amt":"5500 EUR","amt_v":5500.0,"cur":"EUR","len":"","days":null,"reason":"","outcome":"Unresolved at the time of the post; the account was closed and the funds remained locked.","country":"","date":"2025-02-15","summary":"A product seller says Stripe closed the account after a single 5500 EUR payment, leaving the funds locked. The seller says they cannot deliver the product without access to the money.","src":"https://www.reddit.com/r/stripe/comments/1iqf4j4/stripe_account_locked_after_first_payment_of_5500/","st":"public","via":"Reddit"},{"id":"1ioc85l","p":"Stripe","biz":"Registered business","ind":"Unknown","amt":"$2500+","amt_v":2500.0,"cur":"CAD","len":"","days":null,"reason":"Business verification documents were repeatedly requested, with a mismatch cited between the capitalization of the company name on documents and in the dashboard.","outcome":"Unresolved at the time of the post.","country":"Canada","date":"2025-02-13","summary":"A Canadian business says payouts were blocked during verification and more than $2500 was being held. The poster had repeatedly submitted company documents and was still trying to resolve the issue.","src":"https://www.reddit.com/r/stripe/comments/1ioc85l/account_verification_blocked_payouts_my_money/","st":"public","via":"Reddit"},{"id":"1io16gt","p":"Stripe","biz":"Online store","ind":"Ecommerce","amt":"over 40,000 EUR","amt_v":40000.0,"cur":"EUR","len":"90 days","days":90,"reason":"Stripe reportedly flagged the account as high risk after attempts to use stolen cards on the store.","outcome":"Unresolved at the time of the post; the merchant was concerned the funds might not be returned.","country":"","date":"2025-02-12","summary":"A post recounts an online store's account closure and funds hold after attempted transactions using stolen cards, which were reportedly unsuccessful. The account was said to have more than 40,000 EUR held for 90 days, with the outcome still uncertain.","src":"https://www.reddit.com/r/AI_ecommerce/comments/1io16gt/something_interesting_i_came_across_about_stripe/","st":"public","via":"Reddit"},{"id":"1invx16","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider said its system had mistakenly terminated the account.","outcome":"The account was re-enabled and the funds were paid out to the poster's bank account.","country":"","date":"2025-02-12","summary":"A business owner says the account was closed and funds frozen, but the provider later acknowledged a system error and restored access. The poster reports that the funds were successfully paid out.","src":"https://www.reddit.com/r/stripe/comments/1invx16/part_3_final_part_stripe_closed_my_account_what/","st":"public","via":"Reddit"},{"id":"1in4epq","p":"Stripe","biz":"Dropshipping business","ind":"Ecommerce","amt":"40k+ EUR","amt_v":null,"cur":"","len":"90 days","days":90,"reason":"The business was deemed higher risk than Stripe could support.","outcome":"The balance was to be held for 90 days; the poster was seeking guidance on recovering it.","country":"","date":"2025-02-11","summary":"A dropshipping business owner says Stripe closed the account after classifying the business as too high risk and held the balance for 90 days. The owner suspects attempted fraudulent card payments may have contributed to the classification.","src":"https://www.reddit.com/r/dropshipping/comments/1in4epq/stripe_closed_my_account_and_is_holding_40k_eur/","st":"public","via":"Reddit"},{"id":"sc393116","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"over a week","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-02-09","summary":"A merchant since 2019 says payouts were placed on hold without warning or a request for information, even after products were delivered. The poster says there was no real update for over a week.","src":"https://community.shopify.com/t/payout-on-hold/393116","st":"public","via":"Shopify Community"},{"id":"sc392915","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"1 week","days":null,"reason":"Requested verification documents / under review","outcome":"Unresolved at time of post","country":"","date":"2025-02-07","summary":"A seller says Shopify Payments held their payouts after they uploaded requested documents, and a week later they still had no update beyond being told the payments team was busy. They have paused advertising on that store while waiting.","src":"https://community.shopify.com/t/payouts-are-on-hold-it-is-being-escalated/392915","st":"public","via":"Shopify Community"},{"id":"1ijl9nv","p":"Stripe","biz":"Established online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Risk mitigation and enhanced due diligence","outcome":"Unresolved at the time of the post","country":"","date":"2025-02-07","summary":"An online store operator says Stripe imposed enhanced due diligence and a 30% rolling reserve after 18 months of processing. The operator was still seeking advice and considering other processors.","src":"https://www.reddit.com/r/ecommerce/comments/1ijl9nv/how_to_deal_with_stripe_withholding_payouts/","st":"public","via":"Reddit"},{"id":"sc392743","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"$40","amt_v":40.0,"cur":"USD","len":"over a month","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-02-07","summary":"A new business owner says Shopify has held payouts for over a month on an order that was fulfilled, delivered and reviewed, with representatives repeatedly saying the case would be referred to an expert who never made contact. The poster mentions considering legal action over the $40 owed.","src":"https://community.shopify.com/t/is-shopify-stealing-my-money-payouts-on-hold-for-over-a-month/392743","st":"public","via":"Shopify Community"},{"id":"1ijw0sf","p":"Etsy Payments","biz":"Small business marketplace shop","ind":"Unknown","amt":"$7,000+","amt_v":null,"cur":"","len":"6 months","days":180,"reason":"","outcome":"Unresolved at time of post; attempted deposits repeatedly failed and the funds remained in the seller's balance","country":"","date":"2025-02-07","summary":"A small-business seller says more than $7,000 has remained inaccessible for six months after repeated deposits to a newly changed bank account failed. The seller says support has not resolved the issue.","src":"https://www.reddit.com/r/EtsySellers/comments/1ijw0sf/etsy_holding_payment_of_7000_for_over_6_months_no/","st":"public","via":"Reddit"},{"id":"1ijq7l0","p":"Stripe","biz":"Nonprofit","ind":"Nonprofit","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-02-07","summary":"A small nonprofit says Stripe paused its charges and payouts without warning, disrupting donation-funded animal medical work; it has only received automated responses and seeks advice.","src":"https://www.reddit.com/r/stripe/comments/1ijq7l0/stripe_suddenly_paused_our_nonprofits_charges/","st":"public","via":"Reddit"},{"id":"sc391730","p":"Shopify Payments","biz":"New online store","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Additional information requested","outcome":"Unresolved at time of post","country":"","date":"2025-02-02","summary":"A new store owner says payouts were put on hold after the first sale, and support claimed additional information was requested by email that never arrived. The issue remained unresolved at the time of posting.","src":"https://community.shopify.com/t/payouts-on-hold/391730","st":"public","via":"Shopify Community"},{"id":"1ifvk9d","p":"Stripe","biz":"Hosting, web services, and software development company","ind":"Services/Agency","amt":"$18,000","amt_v":18000.0,"cur":"USD","len":"","days":null,"reason":"Unauthorized charges","outcome":"Account closed; support had only provided automated responses at the time of the post.","country":"","date":"2025-02-02","summary":"A hosting and software services company says Stripe closed its account over alleged unauthorized charges while it had an $18,000 balance. The company disputes the allegation and says it has received only automated replies.","src":"https://www.reddit.com/r/stripe/comments/1ifvk9d/unauthorized_charges_its_a_stripe_error/","st":"public","via":"Reddit"},{"id":"sc391520","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-02-01","summary":"A merchant says Shopify Payments placed their funds on hold after a social media launch sold 450 items, leaving them unable to pay their vendor to fulfil orders. They report contacting support daily for a week with no email or explanation.","src":"https://community.shopify.com/t/payouts-on-hold-help/391520","st":"public","via":"Shopify Community"},{"id":"1id3pi5","p":"Square","biz":"Auto repair","ind":"Services/Agency","amt":"nearly $3,000","amt_v":3000.0,"cur":"USD","len":"90 days","days":90,"reason":"None given","outcome":"Account closed, funds held for 90 days, filed with BBB","country":"","date":"2025-01-29","summary":"A car repair business owner says Square closed their account after a nearly $3,000 repair job, leaving them unable to access funds for 90 days.","src":"https://www.reddit.com/r/smallbusiness/comments/1id3pi5/square_nightmare/","st":"public","via":"Reddit"},{"id":"1i58qo7","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Chargebacks on high-risk orders.","outcome":"Payouts were still being held at the time of the post; the poster asks whether canceling disputed orders would release them.","country":"","date":"2025-01-19","summary":"An online store operator says Shopify Payments withheld payouts from fulfilled orders after several chargebacks. They report that the disputed funds were being applied toward the chargebacks and had not been released.","src":"https://www.reddit.com/r/shopify/comments/1i58qo7/cancelling_order_on_chargeback/","st":"public","via":"Reddit"},{"id":"sc387842","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Alleged Section 7 Acceptable Use Policy violation","outcome":"Store closed and payouts held for 120 days; appeal submitted","country":"","date":"2025-01-17","summary":"An online merchant says the provider closed the store after a review and held its payouts for 120 days, citing an alleged policy violation. The merchant submitted an appeal.","src":"https://community.shopify.com/t/account-termination-section-7-aup-violation-payouts-on-hold/387842","st":"public","via":"Shopify Community"},{"id":"1i2qt8y","p":"Shopify Payments","biz":"Brick-and-mortar retailer with an online store","ind":"Retail (in-person)","amt":"Tens of thousands of dollars","amt_v":null,"cur":"","len":"A month","days":null,"reason":"","outcome":"Payouts were still on hold while the provider reviewed the submitted form.","country":"","date":"2025-01-16","summary":"A brick-and-mortar retailer with an online store says Shopify Payments held tens of thousands of dollars while reviewing a submitted form. The seller was told the review would take a month.","src":"https://www.reddit.com/r/shopify/comments/1i2qt8y/payouts_on_hold_for_a_month/","st":"public","via":"Reddit"},{"id":"x1879176142927884517","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Account closed with funds held in reserve; unresolved at the time of the post","country":"","date":"2025-01-14","summary":"A poster says the provider closed their account and kept money in reserve without giving a reason. They were still seeking the funds at the time of the post.","src":"https://x.com/jadeisthebrand/status/1879176142927884517","st":"public","via":"X"},{"id":"1hzmx03","p":"Stripe","biz":"E-commerce merchant","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"None given","outcome":"The payout was postponed and was not expected to become available until May.","country":"","date":"2025-01-12","summary":"An e-commerce merchant says Stripe closed a sub-account despite there being no disputes and postponed the payout. The owner says Stripe had previously assured their lawyer that the funds would be released, but later imposed a 120-day hold.","src":"https://www.reddit.com/r/stripe/comments/1hzmx03/0_dispute_lawyer_in_touch_and_legal_business_but/","st":"public","via":"Reddit"},{"id":"1hzrj7v","p":"Maverick Payments","biz":"Legal services","ind":"Services/Agency","amt":"$150k","amt_v":150000.0,"cur":"USD","len":"","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2025-01-12","summary":"A legal services business says a payment processor is holding $150k of their cash without a clear payout date, and they are seeking a new merchant account.","src":"https://www.reddit.com/r/smallbusiness/comments/1hzrj7v/credit_card_processing_merchant_services_helpneed/","st":"public","via":"Reddit"},{"id":"1hysq8v","p":"Payoneer","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"A payment return was promised by January 7 but had not been received by the time of the post.","country":"","date":"2025-01-11","summary":"An online store operator says Payoneer permanently closed the account after requesting address-verification documents. A payment was pending, and the promised return had not arrived by the time of the post.","src":"https://www.reddit.com/r/shopify/comments/1hysq8v/help_needed_payoneer_closed_my_account_without/","st":"public","via":"Reddit"},{"id":"1hx9tr9","p":"Shopify Payments","biz":"Tech-products retailer","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"Within 120 days","days":120,"reason":"Alleged Acceptable Use Policy violation; support previously cited a suspicious PayPal payment method and high-risk orders, but the final reason was not disclosed.","outcome":"The decision was final, with payouts promised within 120 days; the case was unresolved at the time of the post.","country":"","date":"2025-01-09","summary":"A tech-products retailer says its store was terminated and its funds withheld. The provider declined to disclose the final reason and said payouts would be made within 120 days.","src":"https://www.reddit.com/r/shopify/comments/1hx9tr9/update_on_shopify_store_termination/","st":"public","via":"Reddit"},{"id":"1hxkomx","p":"Square","biz":"","ind":"Unknown","amt":"almost $1,000.00","amt_v":1000.0,"cur":"USD","len":"approximately 90 days","days":90,"reason":"Violation of terms and conditions (sections 12 and 13)","outcome":"Funds scheduled for release on 2/23 after approximately 90 days; unresolved at time of post","country":"US","date":"2025-01-09","summary":"A seller using Square says a single large transaction from a friend was held, the account was deactivated for an alleged terms violation, and funds were scheduled to be released after about 90 days. The poster reports difficulty reaching support and says the money was still unavailable at the time of posting.","src":"https://www.reddit.com/r/ScamCenter/comments/1hxkomx/square_app_holding_my_funds_hostage_for_weeks/","st":"public","via":"Reddit"},{"id":"1huzrsy","p":"Stripe","biz":"Individual business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Additional company information requested for review","outcome":"Unresolved at the time of the post; the account was suspended and the balance remained inaccessible.","country":"","date":"2025-01-06","summary":"An individual business owner says Stripe suspended the account and requested company information for review, leaving a balance inaccessible. The poster says the issue arose after processing payments.","src":"https://www.reddit.com/r/stripe/comments/1huzrsy/i_have_problems_with_stripe/","st":"public","via":"Reddit"},{"id":"sc384887","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2025-01-05","summary":"A Shopify seller says a scheduled payout did not arrive and asks how to check whether payouts are on hold, noting no notification or email was received.","src":"https://community.shopify.com/t/payout-holds-how-to-see-if-i-m-on-hold/384887","st":"public","via":"Shopify Community"},{"id":"1htne8y","p":"PayPal","biz":"Freelance illustrator","ind":"Freelance","amt":"$150","amt_v":150.0,"cur":"USD","len":"180 days","days":180,"reason":"Suspicious behavior","outcome":"Account permanently banned; poster refunded client; unresolved at time of post","country":"South Africa","date":"2025-01-04","summary":"A South African freelance illustrator says PayPal permanently banned the account after a first $150 payment and a document review, citing suspicious behavior. The poster refunded the client and is unsure how to receive future payments.","src":"https://www.reddit.com/r/paypal/comments/1htne8y/permanently_limited_account/","st":"public","via":"Reddit"},{"id":"x1874548742583689536","p":"Stripe","biz":"Esports tournament organizer","ind":"Gaming","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Esports described as an illegal business","outcome":"Unresolved at time of post","country":"","date":"2025-01-01","summary":"A poster hosting an esports event says the platform's payment processor is withholding the prize pool, claiming esports is an illegal business.","src":"https://x.com/Harriet_exe/status/1874548742583689536","st":"public","via":"X"},{"id":"L500","p":"Stripe","biz":"UK company (Financial Ombudsman case)","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"120 days, then extended to July, Aug, Oct 2025","days":120,"reason":"High risk for customer disputes","outcome":"Escalated to UK Financial Ombudsman","country":"UK","date":"2025","summary":"A UK company (Financial Ombudsman case) says Stripe froze or held its funds (120 days, then extended to July, Aug, Oct 2025). Stated reason: High risk for customer disputes. Outcome: escalated to UK Financial Ombudsman.","src":"https://www.financial-ombudsman.org.uk/decision/DRN-6072193.pdf","st":"public","via":"UK Financial Ombudsman"},{"id":"L503","p":"PayPal","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"Permanent limitation","outcome":"","country":"","date":"2025","summary":"A merchant says PayPal froze or held its funds (180 days). Stated reason: Permanent limitation.","src":"https://www.reddit.com/r/paypal/comments/1oo3trm/paypal_permanently_limited_my_account_and_180/","st":"public","via":"Reddit"},{"id":"L505","p":"PayPal","biz":"UK individual seller (Financial Ombudsman case)","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"High level of risk","outcome":"Two internal reviews + Ombudsman: not upheld","country":"UK","date":"2025","summary":"A UK individual seller (Financial Ombudsman case) says PayPal froze or held its funds (180 days). Stated reason: High level of risk. Outcome: two internal reviews + Ombudsman: not upheld.","src":"https://www.financial-ombudsman.org.uk/decision/DRN-5800049.pdf","st":"public","via":"UK Financial Ombudsman"},{"id":"1hpao8m","p":"Square","biz":"IT hardware business","ind":"Ecommerce","amt":"$670","amt_v":670.0,"cur":"USD","len":"","days":null,"reason":"The provider requested an invoice, an explanation for the sales increase, and business hours as part of a review.","outcome":"Account was under review at the time of the post.","country":"","date":"2024-12-30","summary":"An IT hardware seller says Square placed its account under review after a $670 transaction, following a rapid increase in sales.","src":"https://www.reddit.com/r/smallbusiness/comments/1hpao8m/anyone_use_square/","st":"public","via":"Reddit"},{"id":"1hpe8ik","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The business was placed on a restricted list.","outcome":"Payouts remained suspended and the funds were still in the account; support had not responded.","country":"","date":"2024-12-30","summary":"A business owner says Stripe closed the account after placing the business on a restricted list and left over 2880 USD in the account. The owner reports that payouts were suspended and attempts to contact support went unanswered.","src":"https://www.reddit.com/r/stripe/comments/1hpe8ik/need_some_advice_on_how_to_contact_stripe_about/","st":"public","via":"Reddit"},{"id":"1hpbl0b","p":"Wise","biz":"Business receiving client payments","ind":"Unknown","amt":"about €8k","amt_v":8000.0,"cur":"EUR","len":"","days":null,"reason":"","outcome":"About one-quarter of the funds had been sent; the status of the remainder was not stated.","country":"France","date":"2024-12-30","summary":"A business owner living in France says the account was restricted and scheduled for closure after a proof-of-address request, leaving business and tax funds inaccessible. After persistent follow-up, about one-quarter of the funds had been sent.","src":"https://www.reddit.com/r/digitalnomad/comments/1hpbl0b/wisetransferwise_sudden_account_closure/","st":"public","via":"Reddit"},{"id":"1hozedj","p":"Etsy Payments","biz":"Online marketplace shop","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"45 days or until tracking information is provided","days":45,"reason":"Reserve policy; the stated purpose was to cover refunds or chargebacks","outcome":"Reserve remained in effect at the time of the post","country":"","date":"2024-12-29","summary":"A marketplace seller says half of sales funds are placed in reserve for 45 days or until tracking is provided. The seller says the restriction makes it harder to cover shipping expenses and run the business.","src":"https://www.reddit.com/r/EtsySellers/comments/1hozedj/reserves_how_do_you_deal/","st":"public","via":"Reddit"},{"id":"1hohjfs","p":"Shopify Payments","biz":"Online tech-products retailer","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"An alleged Acceptable Use Policy violation; support also cited high-risk orders and a possibly suspicious PayPal payment method.","outcome":"Unresolved at the time of the post; the store remained inaccessible and funds were on hold.","country":"","date":"2024-12-28","summary":"A tech-products retailer says its store was terminated and some funds were held while the provider investigated. The stated explanations varied, and the appeal process was not working.","src":"https://www.reddit.com/r/shopify/comments/1hohjfs/store_termination_for_no_clear_reason/","st":"public","via":"Reddit"},{"id":"1hnjz6q","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"5 figs","amt_v":null,"cur":"","len":"For the past month or so","days":30,"reason":"","outcome":"Unresolved at the time of the post; only a fraction of the pending payouts was being deposited.","country":"","date":"2024-12-27","summary":"A Shopify seller says only a small portion of pending payouts was being deposited, while a five-figure balance remained due. They also report that separate reserve funds were being held.","src":"https://www.reddit.com/r/shopify/comments/1hnjz6q/payout_amount_so_little_compared_to_whats_left_to/","st":"public","via":"Reddit"},{"id":"1hj46f5","p":"Stripe","biz":"Custom plush toy business","ind":"Ecommerce","amt":"$1400","amt_v":1400.0,"cur":"USD","len":"Over 90 days","days":null,"reason":"Customers disputed payments for a presale item.","outcome":"The payout remained unavailable, and its expected arrival date kept being postponed.","country":"","date":"2024-12-21","summary":"A custom plush toy business owner says Stripe closed the account after customers disputed payments for a presale item. The owner reports that $1400 remained held beyond the stated 90-day reserve period.","src":"https://www.reddit.com/r/stripe/comments/1hj46f5/stripe_holding_my_money_for_4_months_now_and/","st":"public","via":"Reddit"},{"id":"1hie00a","p":"Etsy Payments","biz":"Online marketplace shop","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"Over a month","days":null,"reason":"Pending review of updated identity and tax documents","outcome":"Unresolved at time of post","country":"","date":"2024-12-20","summary":"A marketplace seller says all funds have been held for over a month while updated identity documents and a name change await review. The seller had not received an approval or denial.","src":"https://www.reddit.com/r/EtsySellers/comments/1hie00a/etsy_taking_forever_to_approve_last_name_change/","st":"public","via":"Reddit"},{"id":"sc382036","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Unresolved at the time of the post","country":"","date":"2024-12-20","summary":"An online merchant says payouts were on hold and support had not provided details about what needed to be fixed. The merchant had contacted support multiple times without getting an answer.","src":"https://community.shopify.com/t/payout-on-hold-no-email-from-support/382036","st":"public","via":"Shopify Community"},{"id":"1hfib8h","p":"Payoneer","biz":"Freelancer","ind":"Freelance","amt":"","amt_v":null,"cur":"","len":"over 3 months","days":null,"reason":"Internal review; no clear explanation given","outcome":"Account permanently closed, funds withheld","country":"Pakistan","date":"2024-12-16","summary":"A freelancer in Pakistan says Payoneer disabled their balances and, after more than three months of vague internal review responses, permanently closed the account without a clear reason. The poster depended on the account to receive client payments.","src":"https://www.reddit.com/r/payoneer/comments/1hfib8h/payoneer_closed_my_account_without_explanation/","st":"public","via":"Reddit"},{"id":"sc380823","p":"Shopify Payments","biz":"Small business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"more than two weeks","days":null,"reason":"ID verification required after ownership change","outcome":"Unresolved at time of post","country":"","date":"2024-12-13","summary":"A small business says its payouts were on hold for more than two weeks after an ownership change and bank account update. The poster says identity verification documents were requested but support provided no resolution.","src":"https://community.shopify.com/t/help-urgently-payouts-on-hold-for-more-than-two-weeks/380823","st":"public","via":"Shopify Community"},{"id":"1hc6zh6","p":"PayPal","biz":"Online seller","ind":"Ecommerce","amt":"$40 and $700","amt_v":null,"cur":"","len":"","days":null,"reason":"PayPal requested an invoice after flagging a payment for goods and services.","outcome":"Unresolved; the seller says the account remains frozen pending an invoice.","country":"","date":"2024-12-11","summary":"An online seller says PayPal froze the account after a customer paid for an item using goods-and-services payment. The seller says access is blocked until an invoice is provided, which they do not have.","src":"https://www.reddit.com/r/paypal/comments/1hc6zh6/paypal_froze_my_account/","st":"public","via":"Reddit"},{"id":"1hc7e0s","p":"Etsy Payments","biz":"Online seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"45 days","days":45,"reason":"Orders without tracking are subject to the reserve","outcome":"Unresolved at the time of the post","country":"UK","date":"2024-12-11","summary":"A UK online seller says a reserve is holding funds for orders without tracking, either until tracking is entered or for 45 days. The seller is asking whether untracked shipping triggers the reserve.","src":"https://www.reddit.com/r/EtsySellers/comments/1hc7e0s/super_confused_about_tracked_shipping/","st":"public","via":"Reddit"},{"id":"1hbje29","p":"Stripe","biz":"US LLC","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Business verification required","outcome":"Unresolved at time of post","country":"US","date":"2024-12-11","summary":"A US LLC owner says Stripe has paused payments and payouts while repeatedly rejecting EIN verification documents, and support has not resolved it.","src":"https://www.reddit.com/r/stripe/comments/1hbje29/unable_to_complete_verification_even_after/","st":"public","via":"Reddit"},{"id":"1hbdv9v","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"120 days","days":120,"reason":"Delayed shipping after a sales increase raised the provider's concern about chargebacks.","outcome":"A 20% reserve was imposed for 120 days; no later outcome is stated","country":"","date":"2024-12-10","summary":"An online merchant says Shopify Payments froze payouts after sales rose and shipping was delayed. The provider imposed a 20% reserve for 120 days, citing chargeback risk.","src":"https://www.reddit.com/r/shopify/comments/1hbdv9v/120_day_20_payout_hold/","st":"public","via":"Reddit"},{"id":"sc379666","p":"Shopify Payments","biz":"Online shop","ind":"Unknown","amt":"$300","amt_v":300.0,"cur":"USD","len":"2 weeks","days":14,"reason":"Account review requiring ID and proof of payment","outcome":"Unresolved at time of post","country":"","date":"2024-12-09","summary":"A Shopify seller says payouts have been on hold for two weeks after an account review request, with over $300 held from open orders and no clear answer on when the hold will lift.","src":"https://community.shopify.com/t/urgent-shopify-payouts-on-hold-2-weeks/379666","st":"public","via":"Shopify Community"},{"id":"1hacy1o","p":"Stripe","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider cited a high volume of unauthorized charges.","outcome":"The accounts remained closed, with some funds held; no resolution was stated.","country":"","date":"2024-12-09","summary":"An online seller says multiple payment accounts were closed after the provider cited unauthorized charges, which the seller disputes. The seller reports that some funds remained held and had not been resolved.","src":"https://www.reddit.com/r/stripe/comments/1hacy1o/stripe_closed_my_account_high_volume_of/","st":"public","via":"Reddit"},{"id":"1h9nr4c","p":"Stripe","biz":"Online dropshipping store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"High risk for chargebacks, following two customer inquiries through Klarna.","outcome":"Account closed and funds remain held.","country":"Netherlands","date":"2024-12-08","summary":"A Netherlands-based online seller says the provider closed the account and held €8,3k after citing chargeback risk. The seller says the account remained closed even after submitting verification documents.","src":"https://www.reddit.com/r/stripe/comments/1h9nr4c/closed_account/","st":"public","via":"Reddit"},{"id":"sc379565","p":"Shopify Payments","biz":"Online soap and skincare store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"2 weeks","days":14,"reason":"Requested verification documents; later cited fulfilment concerns","outcome":"Unresolved at time of post","country":"","date":"2024-12-08","summary":"A new online soap and skincare seller says Shopify Payments put their payouts on hold right as orders came in, after asking for documents that were submitted the same day. They report over 52 unshipped orders and no funds to ship them, with the hold lasting two weeks.","src":"https://community.shopify.com/t/new-store-payouts-on-hold/379565","st":"public","via":"Shopify Community"},{"id":"1h8sjrb","p":"PayPal","biz":"Reseller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2024-12-07","summary":"A reseller says PayPal paused then shut down their account with money still in it after about six sales, and is holding the funds for 180 days.","src":"https://www.reddit.com/r/paypal/comments/1h8sjrb/paypal_account_banned_for_no_reason/","st":"public","via":"Reddit"},{"id":"1h7xd63","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"1 week","days":null,"reason":"Problem paying out funds to bank account","outcome":"Unresolved at time of post","country":"","date":"2024-12-06","summary":"A business says Stripe payouts have been failing for a week, with Stripe citing a bank payout problem and support only sending template responses.","src":"https://www.reddit.com/r/stripe/comments/1h7xd63/failed_payouts_including_future_ones/","st":"public","via":"Reddit"},{"id":"1h6dc6e","p":"Etsy Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"None given","outcome":"Seller closed the shop for the year","country":"","date":"2024-12-04","summary":"A four-year Etsy seller says they were placed on a payment reserve without an explicit reason, despite strong reviews and on-time tracked shipping. They decided to close their shop for the year as a result.","src":"https://www.reddit.com/r/EtsySellers/comments/1h6dc6e/bit_of_a_rant_payment_reserve/","st":"public","via":"Reddit"},{"id":"1h5k5ug","p":"PayPal","biz":"Online reseller","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"6 months","days":180,"reason":"None given","outcome":"Unresolved at time of post","country":"Europe","date":"2024-12-03","summary":"A Europe-based seller on Depop and Vinted says PayPal permanently banned their account less than a month after signup and refuses to release funds for around six months, giving inconsistent hold periods and no reason.","src":"https://www.reddit.com/r/paypal/comments/1h5k5ug/legal_action_formal_complaint_to_authorities/","st":"public","via":"Reddit"},{"id":"1h5b1yv","p":"Etsy Payments","biz":"Online seller","ind":"Marketplace seller","amt":"$60","amt_v":60.0,"cur":"USD","len":"","days":null,"reason":"","outcome":"The seller identified which bank account was linked; the reserve outcome is not stated","country":"US","date":"2024-12-03","summary":"A US online seller says a reserve notice appeared after sales were sent to an outdated bank account and reports being out $60. The seller later identified the linked account, but does not say whether the reserve was resolved.","src":"https://www.reddit.com/r/EtsySellers/comments/1h5b1yv/help_with_bank_info/","st":"public","via":"Reddit"},{"id":"1h41adi","p":"Stripe","biz":"E-commerce store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"High-risk transaction","outcome":"Account locked; no resolution stated","country":"","date":"2024-12-01","summary":"An e-commerce operator says a new Stripe account was locked after a high-risk transaction. The post does not state whether funds were released or when.","src":"https://www.reddit.com/r/stripe/comments/1h41adi/fresh_stripe_account_got_locked_due_to_high_risk/","st":"public","via":"Reddit"},{"id":"1h449g0","p":"Revolut Business","biz":"Freelancer","ind":"Freelance","amt":"over £1900","amt_v":1900.0,"cur":"GBP","len":"","days":null,"reason":"","outcome":"Access to the funds was restored","country":"UK","date":"2024-12-01","summary":"A UK freelancer says access to money from a client invoice was frozen while the provider requested supporting documents. Access was later restored, though the reason for the issue was not explained.","src":"https://www.reddit.com/r/Revolut/comments/1h449g0/pro_accounts_funds_held_hostage/","st":"public","via":"Reddit"},{"id":"1h1xhp2","p":"Square","biz":"Food business with catering events","ind":"Food/Restaurant","amt":"","amt_v":null,"cur":"","len":"90 days","days":90,"reason":"Business not suitable / flagged for higher transaction volume","outcome":"Account deactivated, funds held; unresolved at time of post","country":"","date":"2024-11-28","summary":"A food business owner says Square deactivated their account after six years and flagged higher catering transactions, holding funds for 90 days; Square also refunded a customer from their linked bank account.","src":"https://www.reddit.com/r/smallbusiness/comments/1h1xhp2/square_closed_account_and_holding_fund/","st":"public","via":"Reddit"},{"id":"x1862252926535610417","p":"PayPal","biz":"Marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider claimed the account was involved in money laundering.","outcome":"The seller says the inaccessible funds were written off.","country":"UK","date":"2024-11-28","summary":"A UK marketplace seller says their payment account was frozen over a money-laundering allegation, and they eventually wrote off the inaccessible funds.","src":"https://x.com/daibach99/status/1862252926535610417","st":"public","via":"X"},{"id":"1h22tqp","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"~$400","amt_v":400.0,"cur":"USD","len":"6 months","days":180,"reason":"","outcome":"Paid after about 6 months; refund request refused","country":"","date":"2024-11-28","summary":"A Shopify merchant says an initial payout of about $400 was not paid out for roughly six months despite many support chats and escalations, and that the money was eventually released. The merchant adds that a later request for compensation was declined.","src":"https://www.reddit.com/r/shopify/comments/1h22tqp/shopify_how_to_lose_a_customer_for_life/","st":"public","via":"Reddit"},{"id":"1h11okp","p":"PayPal","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Proof of fulfillment for customer orders","outcome":"Store was offline and the PayPal hold was unresolved at the time of the post","country":"","date":"2024-11-27","summary":"An online seller says its payment account was put on hold pending proof that customer orders had been fulfilled. The seller says its store was offline, making it difficult to access the information needed to resolve the hold.","src":"https://www.reddit.com/r/Entrepreneur/comments/1h11okp/termination_of_my_website_i_urgent/","st":"public","via":"Reddit"},{"id":"sc376691","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"7 days","days":7,"reason":"Fulfillment review; proof of order fulfillment requested","outcome":"Unresolved at the time of the post","country":"","date":"2024-11-26","summary":"An online merchant says payouts were held after a fulfillment review requested proof that orders were being fulfilled. The merchant submitted documents but was still waiting for funds and a response.","src":"https://community.shopify.com/t/shopify-payouts-on-hold/376691","st":"public","via":"Shopify Community"},{"id":"1h0hy1h","p":"PayPal","biz":"Digital-products seller","ind":"Creator/Digital products","amt":"","amt_v":null,"cur":"","len":"21 days","days":21,"reason":"","outcome":"Unresolved; the poster says the held payments prevent order fulfillment.","country":"","date":"2024-11-26","summary":"A digital-products seller says PayPal payments are being held, leaving orders incomplete and preventing delivery of downloads. They are seeking a way to provide the products while the funds are held.","src":"https://www.reddit.com/r/WixHelp/comments/1h0hy1h/digital_products_deliveryprocess_paypal_funds/","st":"public","via":"Reddit"},{"id":"sc376562","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"a month","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2024-11-25","summary":"An online merchant says payouts had been on hold for a month, disrupting the ability to pay staff. Support repeatedly requested information and the issue remained unresolved.","src":"https://community.shopify.com/t/payout-on-hold-for-a-month/376562","st":"public","via":"Shopify Community"},{"id":"1gz5qpn","p":"Etsy Payments","biz":"Online seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2024-11-25","summary":"An online seller says four orders were placed in a temporary reserve and asks whether half of the funds will be held until tracking is provided. The seller speculates that increased seasonal sales may have prompted the reserve.","src":"https://www.reddit.com/r/EtsySellers/comments/1gz5qpn/temporary_reserve/","st":"public","via":"Reddit"},{"id":"1gyt5py","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Reserve remains held; account-closure outcome unknown","country":"","date":"2024-11-24","summary":"A seller says Stripe is holding 25% of payments from completed orders as a reserve, while the remaining 75% has been transferred. They ask what would happen to the reserve if the account were closed.","src":"https://www.reddit.com/r/stripe/comments/1gyt5py/question_about_stripe_balance/","st":"public","via":"Reddit"},{"id":"1gvqktb","p":"Etsy Payments","biz":"Online seller","ind":"Marketplace seller","amt":"£538","amt_v":538.0,"cur":"GBP","len":"Over 14 days for the majority of orders","days":null,"reason":"Some reserved international orders were sent using labels without tracking","outcome":"Unresolved; expected payout dates passed without funds becoming available","country":"UK","date":"2024-11-20","summary":"A UK online seller says £538 from 13 international sales is in reserve and that no payouts have arrived. The seller reports that most orders have been outstanding for over 14 days despite delivery tracking for many of them.","src":"https://www.reddit.com/r/EtsySellers/comments/1gvqktb/help_with_reserves_pay_outs/","st":"public","via":"Reddit"},{"id":"1gtepu9","p":"Etsy Payments","biz":"New online marketplace shop","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"45 days or until shipped with valid tracking","days":45,"reason":"A reserve was placed on the new shop’s funds","outcome":"Unresolved at time of post","country":"","date":"2024-11-17","summary":"A new marketplace seller says funds from recent orders are unavailable for deposit under a reserve that holds 30% for 45 days or until valid tracking is provided. They ask when funds from shipped orders will be released.","src":"https://www.reddit.com/r/Etsy/comments/1gtepu9/new_shop_can_someone_help/","st":"public","via":"Reddit"},{"id":"1gshrxw","p":"Payoneer","biz":"Digital agency","ind":"Services/Agency","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"The provider said it does not support wire transfers for individual accounts.","outcome":"Unresolved; the payment remained stuck and the sender had not received a return.","country":"","date":"2024-11-16","summary":"A digital agency says an incoming wire payment remained stuck after the provider declined to process it, citing account limitations. The agency reports that the payment had not been returned to the sender.","src":"https://www.reddit.com/r/payoneer/comments/1gshrxw/payoneer_held_my_business_payment_hostage_is_this/","st":"public","via":"Reddit"},{"id":"1gsgkig","p":"QuickBooks Payments","biz":"Merchandise reseller","ind":"Retail (in-person)","amt":"","amt_v":null,"cur":"","len":"Over 90 days","days":90,"reason":"None given","outcome":"Unresolved; the seller could not access the transactions or funds and received conflicting instructions about a refund or check.","country":"","date":"2024-11-16","summary":"A merchandise reseller says the payment account was closed without explanation shortly after processing customer payments. The funds remained inaccessible for over 90 days, and support did not resolve the issue.","src":"https://www.reddit.com/r/smallbusiness/comments/1gsgkig/quickbooks_payments_holding_funds_help/","st":"public","via":"Reddit"},{"id":"1gs5nb8","p":"Stripe","biz":"Barcode-scanning equipment reseller","ind":"Ecommerce","amt":"$10,000","amt_v":10000.0,"cur":"USD","len":"120 days, then extended","days":120,"reason":"The business was deemed high risk.","outcome":"The appeal was denied, and Stripe said the remaining balance would not be made available.","country":"","date":"2024-11-15","summary":"A reseller says Stripe closed the account after the business shifted from web design services to selling barcode-scanning equipment. The owner says a $10,000 payment was held for 120 days, after which its payout date kept being extended.","src":"https://www.reddit.com/r/stripe/comments/1gs5nb8/stripe_is_holding_my_10000_payment_for_past_3/","st":"public","via":"Reddit"},{"id":"sc374130","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"almost 25 days","days":25,"reason":"None given","outcome":"Unresolved at time of post","country":"","date":"2024-11-15","summary":"A Shopify seller says payouts have been stuck for almost 25 days despite fulfilled orders, with support repeatedly saying the accounts team will reach out.","src":"https://community.shopify.com/t/shopify-payments-payout-on-hold/374130","st":"public","via":"Shopify Community"},{"id":"1grq5dr","p":"Stripe","biz":"Small business","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"over a year","days":null,"reason":"","outcome":"Unresolved at the time of the post.","country":"","date":"2024-11-15","summary":"A small-business owner says the provider had held business funds for over a year, with no clear resolution. Repeated support contacts had not produced progress.","src":"https://www.reddit.com/r/stripe/comments/1grq5dr/stripe_has_held_my_funds_for_over_a_year_and/","st":"public","via":"Reddit"},{"id":"sc373568","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Recent increase in chargebacks or disputes","outcome":"Unresolved at time of post","country":"","date":"2024-11-13","summary":"A Shopify Payments user says their payouts are on hold after account activity showed an increase in chargebacks or disputes, and they ask how to resolve it after fulfilling orders.","src":"https://community.shopify.com/t/payouts-from-shopify-payments-are-on-hold/373568","st":"public","via":"Shopify Community"},{"id":"1gq9he4","p":"Etsy Payments","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Generic reasons cited, none applicable","outcome":"Unresolved at time of post","country":"","date":"2024-11-13","summary":"A person posting on behalf of a relative says the long-running Etsy shop was placed on a payment reserve holding half the money for weeks, based on generic reasons the poster says do not apply. They ask whether asking support to re-evaluate could help.","src":"https://www.reddit.com/r/EtsySellers/comments/1gq9he4/payment_account_reserve/","st":"public","via":"Reddit"},{"id":"1gqfmov","p":"Etsy Payments","biz":"Online marketplace shop","ind":"Marketplace seller","amt":"nearly $2k","amt_v":2000.0,"cur":"USD","len":"Almost 45 days","days":null,"reason":"","outcome":"$150 became available for deposit, but the seller had previously received no payouts","country":"US","date":"2024-11-13","summary":"A marketplace seller says payouts were unavailable for almost 45 days, leaving nearly $2k in the account inaccessible. Later, $150 became available for deposit, but the seller had received no explanation.","src":"https://www.reddit.com/r/Etsy/comments/1gqfmov/zero_payments_not_reserve_related/","st":"public","via":"Reddit"},{"id":"1gqoef2","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Account closure","outcome":"Account closed; funds not refunded or paid out; unresolved at time of post","country":"UK","date":"2024-11-13","summary":"A business says Stripe closed its account and paused payouts, then failed to refund customers or release funds it was holding; the poster considers legal action.","src":"https://www.reddit.com/r/stripe/comments/1gqoef2/stripe_restricted_my_account_and_paused_the/","st":"public","via":"Reddit"},{"id":"sc373304","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"5k","amt_v":5000.0,"cur":"","len":"7 days","days":7,"reason":"Requested verification documents","outcome":"Unresolved at time of post","country":"","date":"2024-11-12","summary":"A seller says Shopify Payments has held 5k for seven days after requesting documents, which they submitted. They report sending multiple emails over a week without any response.","src":"https://community.shopify.com/t/payout-on-hold/373304","st":"public","via":"Shopify Community"},{"id":"1gpk50c","p":"Etsy Payments","biz":"Online shop","ind":"Marketplace seller","amt":"nearly $10,000 CAD","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Funds remained unavailable despite the seller being told holds would be removed after achieving Star Seller status","country":"Canada","date":"2024-11-12","summary":"A Canadian seller says a payment hold remained in place after being told it would be removed upon achieving seller status, leaving nearly $10,000 CAD unavailable. The seller says the withheld funds are affecting the ability to buy stock and supplies.","src":"https://www.reddit.com/r/EtsySellers/comments/1gpk50c/reserve_account/","st":"public","via":"Reddit"},{"id":"1gowk0f","p":"Stripe","biz":"Marketing agency serving real estate agents","ind":"Services/Agency","amt":"7k","amt_v":7000.0,"cur":"","len":"","days":null,"reason":"The provider classified the business as restricted.","outcome":"Unresolved at the time of the post; a payout was expected, but the account was closed.","country":"US","date":"2024-11-11","summary":"A US marketing agency owner says the provider closed the account after flagging it for more information and holding 7k. The owner was unsure whether the expected payout would arrive.","src":"https://www.reddit.com/r/stripe/comments/1gowk0f/stripe_closed_my_account_and_is_holding_7k/","st":"public","via":"Reddit"},{"id":"1gor8ps","p":"Revolut Business","biz":"Gemstone seller","ind":"Retail (in-person)","amt":"around £25k","amt_v":25000.0,"cur":"GBP","len":"90 days","days":90,"reason":"","outcome":"Funds remained held while a complaint was pending","country":"UK","date":"2024-11-11","summary":"A UK gemstone seller says their business account was closed and around £25k was held for 90 days. They had submitted requested information and were awaiting a complaint response.","src":"https://www.reddit.com/r/Revolut/comments/1gor8ps/revolut_froze_my_account_and_i_need_the_money_for/","st":"public","via":"Reddit"},{"id":"1gmmrgd","p":"PayPal","biz":"Handmade products e-commerce store","ind":"Ecommerce","amt":"10k","amt_v":10000.0,"cur":"","len":"","days":null,"reason":"","outcome":"Account banned","country":"Latvia","date":"2024-11-08","summary":"A Latvia-based e-commerce seller says PayPal began holding funds from a handmade-products store, denied a request to release funds, and later banned the account shortly after the seller submitted verification documents.","src":"https://www.reddit.com/r/ecommerce/comments/1gmmrgd/paypal_banned_my_account_with_10k/","st":"public","via":"Reddit"},{"id":"sc372114","p":"Shopify Payments","biz":"Online clothing store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"3 weeks","days":21,"reason":"Business verification; type of business mismatch","outcome":"Unresolved at time of post","country":"","date":"2024-11-07","summary":"A long-time merchant says payouts were held for three weeks while the business was verified, with funds in Shopify Balance also frozen. The poster says they were told their business type needed to be changed and that support did not resolve the issue.","src":"https://community.shopify.com/t/payouts-on-hold/372114","st":"public","via":"Shopify Community"},{"id":"1gla9jl","p":"Etsy Payments","biz":"Handmade goods seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Unresolved at the time of the post","country":"","date":"2024-11-06","summary":"A seller of handmade goods says a new shop was placed on a 30% reserve after sales increased, and the available deposit showed $0. The seller says current orders had shipped and were in transit, and asks why more funds were not available for deposit.","src":"https://www.reddit.com/r/EtsySellers/comments/1gla9jl/a_reservedeposit_mystery/","st":"public","via":"Reddit"},{"id":"1giyswv","p":"Revolut Business","biz":"Sole trader selling custom gaming PCs","ind":"Ecommerce","amt":"£1400","amt_v":1400.0,"cur":"GBP","len":"7 days","days":7,"reason":"Requested further information","outcome":"Account was cleared then blocked again; unresolved at time of post","country":"UK","date":"2024-11-03","summary":"A UK sole trader selling custom gaming PCs says Revolut Pro froze their account and withheld about £1,400 after a sale, despite providing evidence; the account was later blocked again after being cleared.","src":"https://www.reddit.com/r/Revolut/comments/1giyswv/revolut_froze_my_pro_account_with_1400/","st":"public","via":"Reddit"},{"id":"1ghbf3e","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"Additional information required","outcome":"Unresolved at time of post","country":"","date":"2024-11-01","summary":"A business says its Stripe account is on hold with payments and payouts paused, and Stripe requested a VAT number and bank statement.","src":"https://www.reddit.com/r/stripe/comments/1ghbf3e/my_stripe_account_payment_payout_paused_what_can/","st":"public","via":"Reddit"},{"id":"1ghh141","p":"Shopify Payments","biz":"Print-on-demand store","ind":"Ecommerce","amt":"","amt_v":null,"cur":"","len":"","days":null,"reason":"","outcome":"Funds frozen; switched platforms; loan repayment requested","country":"","date":"2024-11-01","summary":"A print-on-demand seller says Shopify froze all funds and payouts, leaving the store inactive, and later asked for repayment of a 5k loan.","src":"https://www.reddit.com/r/ecommerce/comments/1ghh141/how_screwed_am_i_or_can_it_be_saved/","st":"public","via":"Reddit"},{"id":"1gelnsn","p":"Shopify Payments","biz":"","ind":"Unknown","amt":"$2000","amt_v":2000.0,"cur":"USD","len":"over a month","days":30,"reason":"Bank account verification","outcome":"Unresolved at time of post","country":"","date":"2024-10-29","summary":"A small online seller reports that payouts began failing in mid-September and were still failing more than a month later, with the account flagged as on hold to verify bank details and the seller unable to see the accumulating balance. The seller says repeated document uploads and bank changes did not resolve the issue and that the business may have to pause.","src":"https://www.reddit.com/r/shopify/comments/1gelnsn/failed_payouts_for_a_month/","st":"public","via":"Reddit"},{"id":"1gehffp","p":"Etsy Payments","biz":"Online marketplace seller","ind":"Marketplace seller","amt":"","amt_v":null,"cur":"","len":"weeks","days":null,"reason":"","outcome":"Unresolved at time of post","country":"","date":"2024-10-29","summary":"An online marketplace seller says funds have remained in their payment account for weeks, with no payouts received and nothing available for deposit. They have not identified the cause.","src":"https://www.reddit.com/r/EtsySellers/comments/1gehffp/i_cant_get_the_funds_from_my_payment_account_into/","st":"public","via":"Reddit"},{"id":"1g5u3vf","p":"Shopify Payments","biz":"Online store","ind":"Ecommerce","amt":"13k + 14k","amt_v":null,"cur":"","len":"","days":null,"reason":"Reserve requirement and payout issues; support says normal","outcome":"Unresolved at time of post","country":"","date":"2024-10-17","summary":"An online store owner says Shopify Payments placed a 20% reserve, then payouts and reserve funds stopped or disappeared, with thousands in funds still missing and support calling it normal.","src":"https://www.reddit.com/r/stripe/comments/1g5u3vf/shopifystripe_is_stealing_my_money/","st":"public","via":"Reddit"},{"id":"L510","p":"Shopify Payments","biz":"Ecommerce store","ind":"Ecommerce","amt":"Over $100,000","amt_v":null,"cur":"","len":"120 days; not paid on day 120","days":120,"reason":"Chargeback reserve","outcome":"Unresolved at time of post","country":"","date":"2024-03","summary":"An ecommerce store says Shopify Payments held over $100,000 (120 days; not paid on day 120). Stated reason: Chargeback reserve. Outcome: unresolved at time of post.","src":"https://community.shopify.com/t/shopify-payments-dont-relase-funds-after-120-days/304950","st":"public","via":"Shopify Community"},{"id":"L502","p":"Stripe","biz":"Service business with clients","ind":"Unknown","amt":"$6,000","amt_v":6000.0,"cur":"USD","len":"","days":null,"reason":"Account restricted","outcome":"","country":"","date":"2024","summary":"A service business with clients says Stripe held $6,000. Stated reason: Account restricted.","src":"https://www.reddit.com/r/stripe/comments/1f2ttow/stripe_is_holding_6k_should_i_refund_clients/","st":"public","via":"Reddit"},{"id":"L504","p":"PayPal","biz":"UK business (Financial Ombudsman case)","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"180 days, then balance kept","days":180,"reason":"Acceptable use policy violation","outcome":"Ombudsman did not uphold; funds used to offset losses","country":"UK","date":"2024","summary":"A UK business (Financial Ombudsman case) says PayPal froze or held its funds (180 days, then balance kept). Stated reason: Acceptable use policy violation. Outcome: ombudsman did not uphold; funds used to offset losses.","src":"https://www.financial-ombudsman.org.uk/decision/DRN-5796911.pdf","st":"public","via":"UK Financial Ombudsman"},{"id":"L498","p":"Stripe","biz":"","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"90 days promised; still unpaid after","days":90,"reason":"Account closed","outcome":"Funds not released after 90 days","country":"","date":"2022-10","summary":"A merchant says Stripe froze or held its funds (90 days promised; still unpaid after). Stated reason: Account closed. Outcome: funds not released after 90 days.","src":"https://www.reddit.com/r/stripe/comments/y7jnqw/90_days/","st":"public","via":"Reddit"},{"id":"L497","p":"Stripe","biz":"Appointment-based service (via Calendly)","ind":"Unknown","amt":"$28,000","amt_v":28000.0,"cur":"USD","len":"90 days, then another 120 days","days":90,"reason":"Account terminated; reserve placed (merchant says no disputes)","outcome":"Account briefly re-enabled, then terminated again","country":"","date":"2021-07","summary":"An appointment-based service (via Calendly) says Stripe held $28,000 (90 days, then another 120 days). Stated reason: Account terminated; reserve placed (merchant says no disputes). Outcome: account briefly re-enabled, then terminated again.","src":"https://www.reddit.com/r/stripe/comments/omtmlb/28000_stripe_payouts_held_in_reserve_twice/","st":"public","via":"Reddit"},{"id":"L506","p":"PayPal","biz":"Individual seller (Financial Ombudsman case)","ind":"Unknown","amt":"","amt_v":null,"cur":"","len":"180 days","days":180,"reason":"Restricted activity","outcome":"Ombudsman: not upheld","country":"","date":"2019-12","summary":"An individual seller (Financial Ombudsman case) says PayPal froze or held its funds (180 days). Stated reason: Restricted activity. Outcome: ombudsman: not upheld.","src":"https://www.financial-ombudsman.org.uk/decision/DRN-1747548.pdf","st":"public","via":"UK Financial Ombudsman"}]}