A public record of withheld funds.

What this record does and does not claim

This site collects primary documents — regulatory filings, court orders, published complaint data — and first-hand accounts from merchants and consumers whose money a payment company took and did not give back on time.

Every number above comes from a document published by the body that issued it. Where this site publishes a person's account of what happened to them, it is labelled as their report, it names the source it was taken from, and it links to that source so you can read it in full and judge it yourself.

Nothing here is invented, and nothing here is anonymous editorialising dressed up as a finding. If a company disputes an entry, the dispute gets published next to the entry.

The incident record

92 cases are currently documented to the standard below. This is the beginning of the record, not the size of the problem — it reflects how many accounts have been verified so far, and it will grow as reports come in.

The same entries are collected by company in the Stripe file, the PayPal file, the Shopify Payments file and the Paddle file. The Shopify Payments file is the one to read if a store's payouts have gone on a 120-day hold: that period is quoted to almost everyone and appears nowhere in the contract. If it is a Venmo balance that was declared available and then frozen, there is a federal order about exactly that, in force until 2038.

If the company holding your money is regulated in the United States, the complaint goes to a federal agency that can require the company to answer on the record: which regulator to write to, and what to put in the complaint. If it is regulated in the UK instead, the deadlines and the ombudsman are here.

If a payment company is holding your money, file it here. You do not have to publish your name.