01
Consultation & proposal
A no-cost call, and a proposal in writing.
We start with a call to review your situation and reserve terms. You get a written proposal with next steps, timeline, and plan forward, at no cost.
Frozen funds · Payout holds · Rolling reserves · Account reinstatement
Held funds? Blocked accounts? We fix that.
Whether it’s Stripe, PayPal, or Shopify, held funds tie up capital you can’t afford to lose.
$20M+
Recovered
450+
Holds overturned
2,500+
Businesses
The problem
Reserves and shutdowns, in plain terms.
Locked-up cash flow
With a rolling reserve, the processor holds back a percentage of every sale and releases it slowly, so part of your revenue is never free to use.
Halted payments
A freeze or shutdown stops payments entirely, so you can’t collect a dollar until it’s resolved.
A damaged merchant profile
A shutdown can land you on the MATCH list, a shared record that makes getting approved elsewhere much harder.
No direct communication
The processor rarely explains the decision and support goes nowhere, so you’re left guessing.
How it works
A data-backed case, start to finish.
As an established authority in payments, we leverage our expertise and direct relationships with processors to push your case through.
02
Certified risk assessment
A data-driven review, turned into a recovery plan.
A data-driven review of your business, compliance posture, processor history, and safeguards. From it we build a personalized recovery plan and begin making changes to meet compliance standards.
03
Submission & resolution
Straight to the account manager, then oversight until it lands.
We submit the case directly to our account manager, staying engaged with strategic oversight until it lands: a reserve reduction, a fund release, or a reinstated account.
Outcomes
Three ways funds come back.
Reserves and shutdowns get triggered by chargebacks, rapid scaling, or a business model that carries more risk than most. Recovery works the same way each time: answer the underwriting concern, then move the money.
Rolling reserves reduced
High rolling reserves erode margin and starve cash flow. We renegotiate the reserve percentage and hold period so more of each settlement reaches your account.
Held funds released
Frozen balances and funds stuck in transit get moved. Once the processor’s risk concerns are answered, we’ve freed balances well into the six figures.
Accounts reinstated
Suspended, limited, and closed accounts get a path back. Where reinstatement isn’t possible, we route you to a stable processor in our network instead.
Proof
Money that actually moved.
$558,620.59
Stripe balance in transit
$66K+
Reserve released
$37K
Shopify Payments reserve reduced
Reversed
Stripe closure
In their words
Merchants who got their money back.
The team at Compaytence provides excellent support, they have extensive experience with tailored advice and solutions dealing with payment processing. We have had a great experience working with them providing our company with expert information that has not just solved our immediate payment processing issues but will help us continuously in the future to de-risk our business. Personally, we have worked with Michael, Kristin, and Lars, no complaints with anyone on the team at all!
Working with the Compaytence team has been a game changer for our business. They were really clear when explaining, helping us to understand our different options and solutions. Then they used their connections to get us speedy approval with ease and competitive rates. Would definitely recommend and we're grateful for their services.
Restore your cash flow.
The number-one leader in reserve recovery.
Backed by a 90% success rate.
Common questions
Frozen funds, answered.
Usually a jump in chargebacks, fast growth, a high-risk category, or a profile that trips their underwriting, and Stripe rarely spells it out. We pinpoint the real trigger, answer the risk concern, and push to get your funds released.
A processor holds back a percentage of each sale, often 5–10%, and releases it on a delay, usually 90 to 180 days. It’s their buffer against chargebacks, but it ties up your cash. We work to lower the percentage and hold period, or remove it.
Often, yes. Whether it’s a 180-day hold or a permanent limitation, we build the case to answer PayPal’s risk concern and get the funds released or the account reinstated.
Yes. A Shopify Payments payout hold or a Square freeze works like any other: we answer the underwriting concern and advocate to get your payouts moving again.
It depends on the processor and how your case presents. Some reserve reductions land in weeks; a contested closure can take longer. The initial assessment gives you a realistic timeline before you commit to anything.
The initial consultation, proposal, and recovery plan are at no cost. We scope the engagement with you before any work begins, so there are no surprise fees while your funds are already tied up.
Most cases involve Stripe, Shopify Payments, and PayPal, but the approach is the same for any processor: reduce the perceived risk, answer the underwriting concern, and advocate directly to the people who can release the funds.
Often, yes. Closures are sometimes reversed once the risk concern is addressed. If the account can’t be recovered, we place you with a stable processor in our network so you can keep selling.
Next step
Let’s get your funds moving.
Send us the processor, the amount held, and the reserve terms. We’ll come back with a read on your case and the plan to recover it, at no cost.
Start a reserve review