Payouts paused or restricted under the Unacceptable Risk Policy
120 days · the date the User receives the initial email notifying them of the actions applied to their accountTypically 120 days from the date you receive Stripe's initial email about the actions on your account. Stripe reanalyses the account and covers possible refunds, disputes and chargebacks during this time.
“typically restrict or pause payouts to the User’s bank account for 120 days from the date the User receives the initial email” Source: stripe.com/legal/unacceptable-risk-policy (read 2026-10-17)
- todayFind the initial email and write down its date: the 120 days count from it. The email can state the reason category, the actions applied, deadlines, how to appeal and information about the review at the end of the period.Source: stripe.com/legal/unacceptable-risk-policy
- this weekWhere an appeal is offered, submit it through the Stripe Dashboard with the additional information Stripe asks for. Stripe says it reviews appeals submitted during the 120 days.Source: stripe.com/legal/unacceptable-risk-policy
- after the dateAt the end of the period Stripe completes a formal review. Possible outcomes: release all or part of the balance, keep holding it, or cancel the payout. Stripe aims to finish within a reasonable period (no number of days stated) and tells you by email.Source: stripe.com/legal/unacceptable-risk-policy
- if refusedStripe says a user whose first appeal fails may have the chance to make another appeal through the Dashboard. After that use the complaint form (acknowledgement within 5 business days).Source: stripe.com/legal/unacceptable-risk-policy
Waiting for Stripe's formal review after the 120 days
No fixed term publishedNo number of days is stated: 'a reasonable period' after day 120. Stripe emails the outcome.
“Stripe aims to complete the formal review within a reasonable period following the end of the 120-day period” Source: stripe.com/legal/unacceptable-risk-policy (read 2026-10-17)
Account being closed, remaining balance not yet paid out
120 days · the date of the initial emailStripe may begin closing the account and pauses payouts for 120 days; Stripe warns that the balance can reach zero by the end of that period because of refunds, disputes and chargebacks.
“it is possible that a User’s account balance reaches zero with no additional funds to payout” Source: stripe.com/legal/unacceptable-risk-policy (read 2026-10-17)
Payout delayed for a specific charge likely to be disputed (payout availability delay)
14 days · the notification dateThe payout for the flagged charge is released automatically 14 days from the notification date if no action is taken.
“The payout for this charge will automatically be released 14 days from the notification date.” Source: support.stripe.com/questions/payout-availability-delays (read 2026-10-17)
Account verification required (payouts or charges blocked until verified)
1 days · the upload of the documentsStripe says reviews of uploaded identity and address documents can take up to 24 hours. No period is stated for business verification.
“Reviews can take up to 24 hours.” Source: support.stripe.com/questions/documents-for-identity-and-home-address-verification (read 2026-10-17)
Account suspended (access to services suspended)
No fixed term publishedNo period is stated. Stripe's agreement lists reasons for which it may suspend immediately, including not responding promptly to requests for information.
“User does not promptly respond to Stripe’s request for, or fails to provide, User Information” Source: stripe.com/legal/ssa (read 2026-10-17)
- todayRead Stripe's email and the Dashboard notice for the stated reason.Source: stripe.com/legal/ssa
- this weekAnswer every information request promptly (non-response is a listed suspension reason).Source: stripe.com/legal/ssa
- after the dateAsk Stripe in writing for the status and expected date of decision.Source: stripe.com/legal/ssa
- if refusedUse the complaint route; for a formal dispute the agreement requires a written notice to [email protected] before arbitration (legal step).Source: stripe.com/legal/ssa
Reserve on your account
No fixed term publishedNo fixed period in the general agreement; the terms are in the Reserve Notice Stripe sends you. Stripe may change the terms if the underlying risk changes.
“Stripe will release to User any funds forming part of the Reserve only if, and to the extent that, Stripe is satisfied that the relevant risk exposure has been mitigated.” Source: stripe.com/nl/legal/ssa-service-terms (read 2026-10-17)
Payout schedule changed, delayed or cancelled after a trigger event
No fixed term publishedNo period stated. Stripe's service terms list these remedies when a trigger event listed in the agreement has occurred.
“change the Payout Schedule or delay or cancel the payout of funds to the User Bank Accounts” Source: stripe.com/nl/legal/ssa-service-terms (read 2026-10-17)
Further review of the business (supporting documents requested)
No fixed term publishedNo review period is stated on the page.
“To request further review of your business, upload the following accepted document types via your Dashboard.” Source: support.stripe.com/questions/supporting-documents-to-further-review-the-account (read 2026-10-17)
Payouts paused because of a negative balance
5 business days · the date the withdrawal succeedsPayouts pause while Stripe withdraws money from your bank account to cover a negative balance. Stripe says payouts resume typically within three to five business days after the withdrawal succeeds.
“any upcoming payouts in the currency being withdrawn will be paused to allow time for the withdrawal to complete” Source: support.stripe.com/questions/payout-paused-due-to-pending-withdrawal-for-negative-balance (read 2026-10-17)