120 days
Stripe’s policy: payouts are typically paused for 120 days from the first notice email, then reviewed.
SourcePayout hold calculator · free
Your money is on ice. Read the ice.
Stripe, PayPal or Shopify Payments froze your payouts. Put in the date of the first notice and the amount held. FrozenFunds shows how far into the hold you are, the date the processor’s own terms point to, and the next step you can take yourself.
Entry 01 · Your hold
Five fields. One reading.
Everything stays in this browser. Leave the release date empty if you were not given one.
0days held so far
–days to the release date
–release date
8% simple interest on the overdue days (UK ombudsman approach)
NoticeRelease
Your route, in order
Reminder dates
| Date | What |
|---|
The numbers in the terms
Three figures worth knowing.
How it works
What it does, in order
Reads the hold
Days held, the release date from the processor’s terms or the date it gave you in writing, and how many days are left or overdue.
Sets the reminders
Day 120, day 180 and your stated release date, as a calendar file with a reminder the day before.
Builds the evidence
Drop in your payments export. It works out refund and dispute rates in your browser and lays them out on one printable page.
Writes the letters
Evidence reply, UK formal complaint, Irish complaint, US demand and regulator summary, filled in from your figures.
Questions, answered
Is this legal advice?
No. FrozenFunds is a self-help tool. It does not act for you, contact your processor, or take a share of anything released. For a large balance, talk to a solicitor or attorney.
Does my data leave my browser?
No. The calculator, the CSV evidence pack and the letters all run on your device. Nothing you type or upload is sent to us. Analytics run only if you accept them, and never include your figures.
What about Shopify Payments?
Shopify’s terms let it keep a reserve for a period it decides, so there is no fixed number of days to count. Enter the release date from your notice and FrozenFunds counts down to that.
Can I complain to the CFPB in the US?
Generally not for a business account: the CFPB complaint system is for consumers. FrozenFunds points US businesses to a written demand, the state financial regulator or attorney general, and the forum in the services agreement.
Will this get my account reinstated?
It is not designed to. It is about getting held money released on time. It will never help you hide from underwriting, open accounts under another name, or sell prohibited goods.