How it works
Unlockpayout Reader counts the date a platform states, with the platform's own sentence, the page and the day we read it.
STRIPE · Unacceptable Risk Policy · first email 2026-09-20
Example only. The formal review follows within a "reasonable period" after day 120; Stripe gives no number of days.
Where each date comes from
OFFICIAL Risk-based holds on a payment generally stay in place for up to 21 days from when the payment was received.
Source: PayPal User Agreement (last updated September 14, 2026) - paypal.com/us/legalhub/paypal/useragreement-full (read 2026-10-14)More on this: PayPal 21-day hold
OFFICIAL Payouts are typically paused for 120 days, counted from the first email.
Source: Stripe: Unacceptable Risk Policy (last updated July 29, 2026) - stripe.com/legal/unacceptable-risk-policy (read 2026-10-14)More on this: Stripe payouts paused 120 days
OFFICIAL A reserve holds a percentage of the funds from each new sale of a physical item.
Source: Etsy Help: What is a Payment Account Reserve? - help.etsy.com/hc/en-us/articles/360058722214 (read 2026-10-14)More on this: Etsy payment account reserve
OFFICIAL When a payment is on hold (not for tax reasons), businesses and sellers can expect the funds in their Venmo account, minus the transaction fee, within 21 days.
Source: Venmo Help: Payment Holds for Businesses and Sellers - help.venmo.com/hc/en-us/articles/4406541849875-Payment-Holds-for-Businesses-and-Sellers (read 2026-10-16)More on this: Venmo payment on hold
OFFICIAL For certain high-priced items, funds are typically held for 31 days after the transaction date.
Source: eBay Help: Transaction holds - ebay.com/help/selling/getting-paid/payouts-work-managed-payments-sellers/payments-hold?id=4816 (read 2026-10-16)More on this: eBay funds on hold
OFFICIAL Your revenue becomes available 14 days after the order is completed. For Seller Plus, TRS and Pro Talent freelancers the clearance period is 7 days.
Source: Fiverr Help: Managing your orders, a freelancer's guide - help.fiverr.com/hc/en-us/articles/360010639617-Managing-your-orders-A-freelancer-s-guide-to-the-Fiverr-order-process (read 2026-10-16)Documents that agree
A document that differs from the account is a common reason for a second request. Type the name and address as printed on two documents. The Reader compares them with each other and with the account name.
What the Reader does not do
- Release your money or lift a limit
- Speak to the platform for you
- See your account
- Give legal, tax or financial advice
- Know a confidential reason the platform will not share