Money Held or Frozen: Step by Step

TL;DR

• Save the notice, then get the reason and next step in writing
• Bills due now? Count cleared bank cash, then ask suppliers about a payment plan
• A slice withheld points to a reserve. A stopped payout needs its own status check
• Each step links the section of Money Held or Frozen that has the detail

Your processor's holding your money. Here's the order to work in, one step at a time. The detail, and the sources, are on Money Held or Frozen.

1. Save the notice. Open your account directly and save the notice, amount, date, case number and deadline. Mark each amount held, scheduled, sent or unknown. Assess the notice
   • And cover bills due now. Count cleared bank cash, and keep an unconfirmed payout out of it. Call the supplier before the bill's overdue and ask about a written payment schedule. Bills due now
2. Ask for the reason in writing. Ask what's held, why, what they need from you, and whether the next date is a review or a release. The question to send
3. Match what you see to the hold. A slice withheld points to a reserve. A stopped payout needs its own status check. What does your notice say?
4. Follow your provider's path. Each one has its own screens: Stripe, Shopify Payments, Square, United States, PayPal, United States
   • Or documents requested. Send them through the notice's verified upload route by its deadline, and save the confirmation. Don't keep sending the same file without an answer. Respond to the request
   • Or your account was closed. Ask about the balance separately from reinstatement. Your closed account's balance
5. Get the terms. Ask which event starts the clock, what releases the money, and what's deducted. A review date isn't a release date. What terms apply?
6. No answer? Ask for risk or underwriting. Not frontline support. Keep the case number and replies together. If they're unresponsive
   • And ask for a review if something's changed. Explain what's changed with facts and dates, without assuming a reduction. Can I ask for a reserve review?
7. Keep taking payments if you can. Check whether your account can still accept payments. A second processor account doesn't release the first one's held money. Taking payments while funds are held