Stripe holding your money or freezing payouts? Here’s why reserves happen — and what ecommerce brands, subscription businesses, and online sellers can do to get their funds released faster.

If Stripe is suddenly holding your money, placing a “% reserve,” freezing payouts, or delaying transfers, you’re not alone. Thousands of ecommerce brands, subscription businesses, coaches, SaaS companies, and online sellers get hit with Stripe reserves every year.

When Stripe thinks your business model, refund rate, dispute patterns, or chargeback risk are too high, they lock down your funds — and once a reserve is in place, getting your money back can feel impossible.

In this video, we break down why Stripe freezes your funds, the difference between a fixed reserve and a rolling reserve, the most common reserve triggers, and what actually helps you get payouts released faster.

You’ll learn:

► What a Stripe reserve really means

► How reserves work (rolling reserve, capped reserve, and upfront reserve)

► The risk signals Stripe uses to flag merchants

► How long reserves typically last — and when you’ll get your money back

► What YOU can do to show Stripe you’re reducing risk

► Why now is the time to add a backup payment processor before things get worse

Stripe reserves rarely come out of nowhere — but they definitely feel like it. If you want stability, predictable cash flow, and fewer frozen payouts, it might be time to look at a high-risk merchant account that won’t surprise you with sudden fund holds.

Are you ready to switch to a merchant account and protect your payment processing? Reach out to DirectPayNet today!

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