About
We get businesses their money back.
UnblockFunds is a specialist firm helping merchants release funds withheld by payment processors, acquirers and PSPs — combining senior dispute lawyers with a technology platform purpose-built for processor disputes.
Our story
UnblockFunds was founded in Dublin in 2019 after our founders watched a portfolio of e-commerce clients lose six- and seven-figure balances to sudden processor freezes — with no clear path to recovery and no realistic chance of affording bespoke litigation. We built a productised recovery service that pairs senior dispute lawyers with a technology platform purpose-built for processor disputes, so businesses of any size can get serious legal weight behind their claim.
Today we operate from offices in Dublin, London and New York, with case managers covering EU, UK and US recovery proceedings, and a network of partner law firms in 17 additional jurisdictions.
What we do
- Reserve releases — recovering rolling reserves held beyond contractual periods.
- Account freezes — challenging Section 4 / risk-team holds and 180-day retention windows.
- Account terminations — securing release of final settlement balances after MID closure.
- Chargeback disputes — representing merchants where mass chargebacks have triggered holdings.
- Regulatory escalations — filing complaints with the FCA, FINRA, CSSF, BaFin, AMF, Central Bank of Ireland and similar.
Our principles
Every case is reviewed by a qualified solicitor or attorney before action — no boilerplate, no robo-letters.
Standard engagements are no-win-no-fee. If we don't recover anything, you owe nothing.
Most processor disputes cross at least two jurisdictions. We staff cases accordingly.
You speak to a named human, not a queue. They own your file from intake to wire.
Regulation, accreditation, insurance
UnblockFunds Ltd is registered in Ireland (company no. 738291) and operates under an Authorisation as a Designated Service Provider. Legal services are delivered through our network of partner law firms, each independently regulated in their home jurisdiction (SRA in England & Wales, Law Society of Ireland, NYSBA in New York, and equivalents in other markets). We carry €10M of professional indemnity insurance, are ISO 27001 certified for information security, and SOC 2 Type II audited annually.
Leadership team
Former in-house counsel, Tier-1 European acquirer. Trinity College Dublin; called to the Bar of Ireland.
Solicitor (England & Wales). 12 years at a Magic Circle disputes team before joining in 2022.
Former MLRO at a top-5 European EMI. CAMS, ICA Diploma in Governance.
Built chargeback infrastructure at a top-10 payments orchestration platform. Open-source maintainer.
Full bios available on request to hello@unblockfunds.com.
Our journey
- ●2019Founded in Dublin
Three founders pool €120k of personal capital to take their first ten cases against PayPal.
- ●2020First €1M recovered
Crossed the seven-figure mark within 11 months — average case size €38k, win rate 81%.
- ●2022London office opens
Adds UK-qualified solicitors and FCA-complaint capability; coverage extends to Worldpay and Adyen.
- ●2023ISO 27001 certified
Independent ISMS audit completed; SOC 2 Type II follows in Q4.
- ●2024New York launch
US-licensed counsel added in NY and CA; coverage of Stripe US, Square and Authorize.net.
- ●20251,200+ cases closed
€187M total recovered. Average resolution time drops to 47 days.
Where you'll find us
12 St Stephen's Green, Dublin 2, Ireland
8 Devonshire Square, London EC2M 4PL, UK
230 Park Avenue, Suite 312, NY 10169, USA
Working with us
We accept new cases on a rolling basis. The fastest way to get started is to submit a free eligibility check — we'll come back within one business day with an indicative recovery range, a fee quote, and a case plan. If we don't think a case is recoverable, we'll tell you that too.