Frozen funds · Payout holds · Rolling reserves · Account reinstatement
Whether it’s Stripe, PayPal, or Shopify, held funds tie up capital you can’t afford to lose.
$26M+
483+
2,650+
Reserve Recovery
Coming back to you
Across 3 processors · reserve reduced, balances released
Stripe
Released
PayPal
Released
Shopify
In review
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.
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.
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.
Stripe balance in transit
Reserve released
Shopify Payments reserve reduced
Stripe closure
In their words
Merchants who got their money back.
Excellent work by Compaytence! Got our Shopify payments reserve lowered and majority of our funds on hold released. Great service. Can 100% recommend!
★★★★★
Tele Adebimpe
Google review · a year ago
Compaytence did a great job! They made the whole process feel straightforward and were great at helping navigate through the process of getting a reserve freed up on Shopify. Communication was solid, and everything was handled professionally.
★★★★★
Blake Weisgram
Google review · a month ago
Restore your cash flow.
The number-one leader in reserve recovery.
Backed by a 90% success rate.
Common questions
Frozen funds, answered.
Why did Stripe freeze my funds?
What is a rolling reserve?
Can you release a PayPal hold or account limitation?
My Shopify or Square account is holding my money. Can you help?
How long does reserve recovery take?
What does it cost to start?
Which processors do you work with?
Can you help if my account is already closed?
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.