Guides

What each processor's own terms say, and what to do next. Every claim links to the processor's own page.

Stripe

• Stripe account under review or funds on hold: what to do
  Stripe paused payouts, set a reserve or closed your account? What Stripe's own terms say, what to send, and how to keep selling. Sources linked.

• How long does Stripe hold reserve funds? Rolling, fixed and 120-day holds
  How long a Stripe reserve lasts depends on which kind you have: a reserve on your own account, a 120-day pause after a risk decision, or a platform reserve capped at 180 days. What Stripe's own pages say.

• Stripe closed my account with money in it: the 120-day review and what to do
  Stripe closed or rejected your account and kept your balance? What Stripe's Unacceptable Risk Policy says about the 120-day payout pause, appeals and the formal review, and what to do now.

PayPal

• PayPal 180-day hold and limited account: what it means and what to do
  PayPal limited your account or is holding funds for up to 180 days? What the PayPal User Agreement actually says about 21-day holds, 180-day holds and reserves, and how to respond.

• PayPal 21-day hold on a new seller account: how to get your money sooner
  Why PayPal holds a new seller's payments for up to 21 days, and the official ways to release them sooner: tracking, order status, PayPal labels and the monthly release limit.

• PayPal permanently limited my account: what happens to the money?
  A permanent PayPal limitation usually means a hold of up to 180 days, then access to unrestricted funds. What PayPal's User Agreement says, what to send, and how to keep selling.

Shopify Payments

• Shopify Payments payouts paused or on hold: what to do
  Shopify Payments put your payouts on hold, added a reserve, or disabled your account? What Shopify's Help Center and terms say, how to appeal a reserve, and how to keep taking orders.

• Shopify Payments disabled and funds held for 120 days: what happens to your money
  Shopify Payments disabled your account or set a 120-day reserve? What Shopify's Help Center and Payments Terms say about held funds, appeals, and how to keep taking orders.

Square

• Square account deactivated and funds held: what to do next
  Square deactivated your account or suspended transfers? What Square's Payment Terms and Support Center say about held funds, appeals and information requests, and how to keep getting paid.

• Square holding funds for 90 days (or longer): why, and what you can do
  Square deactivated your account and is holding funds for 90 days? Where the 90 days comes from, why it can be extended, what Square's Payment Terms say, and how to appeal.

Not sure which applies? Try the free triage checker.