Alternatives sponsored by RetryHub and PayFresco

Payment account freeze risk check

A free 2-minute quiz that estimates how likely Stripe, PayPal or Shopify Payments is to freeze or hold your account, with the fixes that lower your risk. Eight questions, scored on your device.

Your main processor

1. What do you sell? Standard physical or digital products, SaaS Subscriptions, memberships, coaching or courses Travel, events, pre-orders or other future delivery Supplements, CBD, peptides, vape, firearms accessories, adult-adjacent or similar

2. Your dispute (chargeback) rate over the last 3 months? Under 0.3% 0.3% to 0.5% 0.5% to 0.75%, or I don't know Over 0.75%

3. This month's sales volume compared with your normal month? About the same Up to 50% higher About double Three times or more, or a big launch

4. How long between payment and delivery? Instant or within a few days 1 to 2 weeks 2 to 6 weeks, or pre-orders Months (prepaid programs, trips, annual plans)

5. Does your website have a refund policy, terms, contact details and a description that matches what you sell? Yes, all of it Missing one thing Missing several The description doesn't really match the products

6. Do your site or ads make health, income or results claims? No Testimonials only Some 'results' language Yes: cures, treats, weight loss, or income claims

7. How long have you processed on your current account? Over a year 6 to 12 months Under 6 months New account with large early payments

8. Do you have a backup processor ready? Yes, live and taking payments Approved but not used Planning to set one up No

How the score works

Each answer adds 0 to 3 points for the triggers merchants in our tracker most often report: restricted categories, dispute rates, volume spikes, delivery delays, website gaps, claims, account age and having no backup. It's a rough guide, not a prediction from any processor.

Payment account freeze risk check

Your freeze risk:

Move your processing

How the score works