Got hit with a hold on my payment account last week, completely out of nowhere. I run a small online shop selling handmade leather goods, been operating for about three years with no issues. They asked for supplier invoices, tracking info, and ID verification. I sent everything within 24 hours. It's been 9 days now and still no word. Just wondering what kind of timeline other people have experienced before getting access back.
Payment Holds
How long did it take to get a payment account reinstated?
Mine took 6 days. But I've heard of cases stretching to 3 weeks or more. Depends heavily on which team reviews it.
9 days isn't unusual at all. I had one account frozen for 14 days while they went through my supplier records. The frustrating part was the lack of updates. Every time I called they just said 'it's with the review team'
Did they give you a specific reason for the hold? Sometimes that tells you how long it'll take. If they flagged a transaction as high-risk that's usually faster than a full account review.
No specific reason given, just a generic 'we noticed unusual activity' message. All my transactions are normal small orders. Nothing over $200 usually.
Hang in there. Took me almost 3 weeks one time. I ended up messaging them on social media as a last resort and got a reply within hours. Not a magic fix but it got someone to actually look at my case.
CobaltWren's point about social media is real. The regular support queue can be slow but a public nudge sometimes speeds things up. Not that it should have to work that way.
Two days. But that was for a minor verification issue, not a full hold.
Some people on other forums have mentioned that if you submit everything correctly the first time it takes around 5-10 business days. If you send incomplete docs it resets the clock. Did you double check all your invoices had the right business name on them?
Yeah, I made sure everything matched. Business name, address, all of it. I'm mostly worried because I haave regular suppliers waiting on payment and I can't send anything right now.
That's the worst part. The cash flow gap while you wait. Sorry you're dealing with it.
I've had two reinstatements. First one took 11 days. Second one took about 4 days because I already had a clean history from the previous review. Hang in there.
Can you call them directly instead of using the online portal? Some payment processors have a phone line for business accounts. Might be worth a try if you haven't already.
I'll look into the phone line. Appreciate the responses, everyone. Sounds like I just need to be patient.