What to Do If Your Account Gets Frozen
- Thomas Troyer
- Jun 20
- 2 min read
When Square/Stripe/PayPal Freezes Your Funds: What You Need to Know
Thousands of businesses trust Square/Stripe/PayPal to move their money—until one day, they can’t.
Whether you're a conservative business owner, run a firearms-related brand, or just fall into a "high-risk" category, Square/Stripe/PayPal has a history of freezing accounts without warning, holding funds for 180 days or more, and offering little to no explanation.
If it happened to you, here’s what to do next—and how to make sure it never happens again.
1. Understand Why Square/Stripe/PayPal Locked Your Account
Square/Stripe/PayPal can freeze your funds for reasons including:
"Violation of acceptable use policy" (often vaguely defined)
A sudden spike in transaction volume
Being labeled “high-risk” due to your industry
Chargeback or refund disputes
Their internal political or compliance stance
Unfortunately, they don’t always explain which one it is.
2. File a Complaint and Get Documentation
If your account is frozen:
Request written documentation of the reason.
Ask for a timeline on fund release.
File a complaint with the Consumer Financial Protection Bureau (CFPB) or Better Business Bureau (BBB) if no clear answer is given.
This won’t always unlock your funds—but it creates a paper trail and puts pressure on Square/Stripe/PayPal.
3. Switch to a Processor That Stands With You
The best way to avoid being frozen again? Don’t go back to PayPal.
Instead, choose a processor that:
✅ Supports businesses
✅ Underwrites you upfront for long-term stability
✅ Offers real customer service—not just email forms
✅ Believes in protecting your freedom, not policing your beliefs
4. Why Businesses Are Switching to 2nd Amendment Processing
At 2ndAP, we’ve helped countless merchants who were burned by PayPal, Stripe, and Square. We believe your business deserves:
Transparent pricing
Upfront approval (no surprises)
A processor that won’t cancel you over your beliefs
Your Funds. Your Freedom. Your Processor Should Protect Both.
If your Square/Stripe/PayPal funds are frozen—or you're tired of worrying they might be—it’s time to move to a processor that actually has your back.
👉 Stop playing by Big Tech’s rules. Apply now at www.2ndAP.com
Thomas Troyer
CEO
2nd Amendment Processing
517-755-6696
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