"Recovered held reserves after 180-day hold expired without release."
María González
E-commerce, Madrid
€84,30047 days
Stripe
Trusted legal recovery since 2019
Recover Frozen Merchant Funds Faster
When Stripe, PayPal or your processor freezes your account, we get your money back — using a tested legal playbook trusted by 1,200+ businesses.
No upfront fees on Success-Fee 89% recovery rate EU data residency
€18.4M
Recovered in 2025
1,200+
Cases closed
89%
Recovery rate
47 days
Average resolution
Process
A clear path from freeze to release.
Six steps, fully managed by our team. You'll see every action in your dashboard in real time.
01
Submit your case
Tell us about your processor, amount held and restriction reason in a 5-minute intake.
02
Document review
We collect TOS, settlement statements, and prior correspondence into one secure case file.
03
Legal review
A specialist lawyer evaluates strategy and prepares a tailored demand letter.
04
Letter sent
Formal demand delivered to the processor's legal department with full evidence pack.
05
Negotiation
We negotiate release terms — partial, full, or staged — with senior compliance teams.
06
Funds released
Funds return to your operating account. Case closed with full reporting.
Joined this month
87 new clients
Why usBuilt for one purpose:
Built for one purpose:
getting your funds back.
Specialist lawyers
A team focused exclusively on payment processor disputes — not generalists.
89% recovery rate
Independent audit across 1,200+ closed cases since 2019.
47-day average
From submission to release — 3× faster than DIY appeals.
End-to-end secure
Bank-grade encryption, EU data residency, attorney-client privilege.
The problemYour funds aren't gone.
Your funds aren't gone.
They're frozen.
Every year, processors withhold over $5 billion from merchants under reserve, chargeback, or compliance freezes. Most appeals fail because they're written by founders, not lawyers.
- 180-day rolling reserves with no clear release date
- Sudden terminations with no recourse path
- Chargeback holds that exceed actual disputes
- Frozen settlement on legitimate transactions
Recent recoveries
Real cases, real releases.
Anonymized for confidentiality. Outcomes verified by our compliance team.
Browse all results"Account termination reversed; full balance returned with interest."
Daniel Brooks
SaaS Founder, London
€156,00062 days
PayPal
"Chargeback freeze lifted following a processor TOS audit."
Lukas Weber
DTC Brand, Berlin
€32,50029 days
Shopify
Pricing
Three ways to pay. No surprises.
Pick the structure that fits your case. Switch tiers any time before engagement.
Fixed Fee
€499
Flat fee, all-in. Best for clear-cut cases under €25k.
- Document review
- Demand letter
- 1 follow-up cycle
Most popular
Premium
€999
Comprehensive representation up to release.
- Everything in Fixed
- Unlimited follow-ups
- Negotiation calls
- Priority queue
Success Fee
15%
of recoveredPay only when funds are recovered. No win, no fee.
- Full representation
- Cap negotiable
- Best for >€50k cases
FAQ
Questions, answered.
How long does recovery typically take?
Most cases close in 30–90 days. Complex terminations or international processors can take longer; we'll give you a realistic estimate during intake.
What if my funds are still in the 180-day hold?
We document the case immediately and trigger formal demand the moment the hold expires — many processors release earlier when faced with structured legal pressure.
Do you work outside the EU?
Yes. We handle US, UK, EU, and most Commonwealth jurisdictions. Cross-border cases are quoted individually.
What's the difference between Premium and Success Fee?
Premium is a flat €999 with unlimited representation. Success Fee is 15% of recovered funds, paid only on success — better for larger holds.
Ready to recover your funds?
Start with a free eligibility check — 5 minutes, no commitment, no card required.