Payment reserves & frozen payouts
Your money is on hold.
Let’s find your options.
Stripe, Shopify or another provider holding your payouts? We help merchants understand their reserve terms, explore available appeal and escalation options, and build a plan to resolve the situation.
Every case is different. No promises of guaranteed fund releases.
The problem
Your money is earned.
But you can’t access it.
A reserve or frozen payout can stall inventory orders, payroll, ad spend and day-to-day operations, even when the business itself is healthy.
Rolling reserves
A cut of every payout, held back
Your processor withholds a percentage of every transaction, making it harder to plan cash flow.
Frozen payouts
Funds held after a review
Your money is held after a risk review, account restriction or termination.
Unclear release terms
No clear answer on timing
You’ve contacted support, but still don’t have a clear explanation of when funds may become available.
How Redux can help
A clear plan
for dealing with your reserve.
01 · Review
Review your situation
We examine the provider’s notice, reserve terms, processing history and the reasons given for withholding funds.
02 · Options
Identify your options
We determine whether an appeal, escalation, documentation review or request for revised terms is available.
03 · Resolution
Work toward a resolution
Where appropriate, we help organize supporting evidence and pursue the available review process. If the reserve continues, we can also help explore alternative processing arrangements.
The payment provider and its acquiring bank make the final decision on held funds. We can’t force a release or override their risk decision.
Your situation
Not every reserve
requires the same solution.
Still processing
Your account is still processing
Focus on understanding the reserve terms, possible release schedules, and whether the terms can be reviewed or changed.
Account shut down
Your account was shut down
Treat the held balance separately from restoring payment acceptance with a new provider.
Need to keep growing
You need to keep growing
Explore whether alternative processing arrangements could improve your cash-flow flexibility going forward.
Opening a new merchant account doesn’t release funds your current provider is already holding.
Reserve review
Tell us what’s happening
with your funds.
Share a few details and we’ll review the situation to determine what options may be worth pursuing.
What we look at first
The provider involved, how much is held, and what you’ve been told so far.
What we don’t need yet
No passwords, bank logins or documents. If we need paperwork, we’ll set up a secure way to share it.
No guarantees
The provider decides on releases. We’ll be straight about which options look realistic.
Please don’t include passwords, bank logins, card numbers or documents. If we need documents, we’ll arrange a secure way to share them. See our Privacy Policy.
Reserves and frozen payouts.
Your questions, answered.
Can Redux get my frozen funds released?
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We can help review the situation and identify available appeal or escalation routes. The payment provider ultimately decides whether and when funds are released.
Can reserves be released early?
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Will moving to another processor release my existing reserve?
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What information do you need?
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What does it cost?
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Researching first? Read our guides to Stripe holding funds and Shopify holding funds.