Door B — Payment companies

A payment company has my money.

No store was closed — your money just stopped moving. A percentage of every sale kept as a "reserve." A "limitation" with document steps. Payouts "paused while we review." Processor freezes run on hold types and escalation ladders: name the hold correctly and you know whether the move is documents, patience, a written demand — or a lawyer.

Pick your payment company

Stripe

Rolling reserves, full freezes, closed accounts with balances held — under a contract (§3.3) that honestly sets no release date. The ladder matters more here than anywhere.

Stripe holding my money →
Stripe closed my account →

PayPal

21-day payment holds, partial limitations, reserves — and the permanent limitation with its published 180-day clock.

PayPal account limited →

Square

Deactivations with balances held about 90 days in most reported cases — and a self-service appeal many sellers never learn they were eligible for.

Square account deactivated →

Shopify Payments

Holds vs. reserves are different doors on Shopify — its own help page explains reserves and their expiry reviews. Closed accounts follow Stripe-shaped practice underneath.

Shopify Payments hold →

The three questions that unlock every processor hold: How much is held? Under which clause of the agreement? On what date will it be released or reviewed? Ask all three in writing, in one message, and keep the answer. The kit's scripts are built around exactly that.

Included in the $59 MoneyFrozen Kit

  • Hold-type tables for all four processors — so you stop arguing with the wrong hold
  • The documentation pack each processor actually asks for, assembled once
  • Partial-release and reserve-review request scripts, timed to the clocks
  • The cash-flow bridge: how to keep selling lawfully while money is frozen — no borrowed accounts, no games that freeze a second business
Get the $59 MoneyFrozen Kit

One payment, both doors, yours to keep. We never ask for your login — you submit everything yourself. See everything inside the kit →