Authorize.net frozen funds recovery
Recover funds from Authorize.net / Visa gateway holds
Recovery rate
73%
Average timeline
Authorize.net matters resolve in 45–90 days.
Risk-free
No win, no fee
Authorize.net (a Visa company) and its acquiring partners hold settlements during risk review, fraud screening, or merchant-agreement disputes. We engage both the gateway and the underlying acquirer to release funds.
Why Authorize.net freezes accounts
If any of these match your case, we can usually help.
Acquirer risk review
The acquiring bank (not Authorize.net itself) holds settlements.
Fraud-screening flags
AFDS flags transactions and pauses settlement.
Compliance documentation request
PCI / KYC documentation stalls release.
Our Authorize.net recovery playbook
Battle-tested process refined across 1,200+ cases.
- 1
Identify the actual acquirer behind the gateway
- 2
Dual-track letter to Authorize.net + acquirer
- 3
Documentation package addressing every flagged transaction
- 4
Card-network escalation where appropriate
Authorize.net / acquirer escalation path
Authorize.net (Visa) is the gateway — the acquirer holds the funds. Dual-track required.
- 0
Day 0 — Identify the acquirer
Pull merchant agreement to identify the actual acquiring bank behind the gateway.
- 10
Day 10 — Dual demand letter
Send simultaneous letters to Authorize.net (legal@authorize.net) and the identified acquirer.
legal@authorize.net + acquirer
- 40
Day 40 — Card-network escalation
Escalate to Visa Merchant Services where acquirer is unresponsive.
- 70
Day 70 — Regulator filing
File with CFPB / state DFI against the acquirer (not the gateway).
See real Authorize.net releases
Browse anonymised case outcomes from clients in similar situations.
View case resultsAuthorize.net recovery FAQ
Who actually holds my money?
Almost always the acquirer behind the gateway, not Authorize.net itself. We identify and engage the right entity.
Other processors we recover from
Stripe
Recover frozen funds from Stripe payouts and reserves
Learn more
PayPal
Release PayPal holds, reserves, and 180-day rolling reserves
Learn more
Square
Unfreeze Square reserves and deactivated balances
Learn more
Shopify Payments
Recover frozen Shopify Payments payouts and 120-day reserves
Learn more
Adyen
Recover funds held by Adyen for risk or compliance review
Learn more
Worldpay
Release Worldpay (FIS) settlements and dispute reserves
Learn more