Shopify Payments account on hold (payouts blocked)
No fixed term publishedNo period is stated. You can keep using the store, but you cannot receive payouts through Shopify Payments until the reason for the hold is resolved.
“you can't receive payouts through Shopify Payments until the reason for the hold is resolved” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/account-holds (read 2026-10-17)
Hold while banking partners verify your business details
No fixed term publishedNo period is stated; the account stays on hold until the details can be verified.
“your Shopify Payments account is put on hold until your details can be verified” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/account-holds (read 2026-10-17)
Hold caused by a creditor or legal action
No fixed term publishedNo period is stated. The payment processor places this hold and only it can remove it after it receives a release from your creditor.
“Shopify can't remove this type of hold.” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/account-holds (read 2026-10-17)
Reserve on Shopify Payments (fixed amount or percentage)
No fixed term publishedShopify's own example is 10% of each transaction held for 120 days; the real percentage, amount and period are in the email with your reserve terms. Each reserve has an expiry date.
“maintaining a 10% reserve for 120 days means that 10% of each transaction” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/reserves (read 2026-10-17)
Custom payout schedule for higher-risk businesses
20 business days · the transaction processing datePayouts might take 5 to 20 business days. Shopify Support cannot shorten settlement time on request.
“Payouts might take from 5 to 20 business days.” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/risk-evaluation-process (read 2026-10-17)
Payouts paused after you changed the payout bank account
5 business days · the date the payout destination changedPayouts are paused for 3 to 5 business days after you change the payout destination to a new external bank account (or add one more than 24 hours after setup). This does not apply when you switch to your Shopify Balance account.
“your payouts are temporarily paused for 3-5 business days” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/payout-timing (read 2026-10-17)
First payouts for a new merchant
5 business days · the transaction processing dateUp to 5 business days (stated for payouts arriving in Shopify Balance).
“payouts for new merchants can take up to 5 business days” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/payout-timing (read 2026-10-17)
Payout shows 'Deposited' but the money has not arrived
3 business days · the date the payout is marked DepositedYour bank typically needs 1 to 3 business days after the payout is marked Deposited.
“It might take your bank 1 to 3 business days to process and deposit the funds” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/lower-or-missing-payouts (read 2026-10-17)
Payouts suspended, charges deactivated, or Shopify Payments account closed
No fixed term publishedNo period is stated. Accounts with unresolved high risk may have payouts suspended or the ability to process charges deactivated, and may be closed.
“your account might be declined, deactivated, or subject to restrictions such as payout holds, reserves, or payout delays” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/risk-evaluation-process (read 2026-10-17)
Payout lower than expected (negative balance, refunds, chargebacks, reserve)
No fixed term publishedNo period; deductions for a negative balance, refunds, chargebacks, reserves or holds reduce the next payouts.
“your payout might be reduced to cover this balance” Source: help.shopify.com/en/manual/payments/shopify-payments/payouts/lower-or-missing-payouts (read 2026-10-17)