Stripe Account Terminated: Funds Held for 120 Days

How to fix it

Try these in order — the most common fix is first.

1. 1. Know the policy

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   1. Stripe says it will typically restrict or pause payouts for 120 days from the initial notice
   2. At day 120 it reviews and may release, keep holding or cancel the payout
   3. Stripe says it keeps balance funds separate from its own funds
   Did this fix it? Yes No

2. 2. Document and ask

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   1. Write to Stripe asking for the policy cited and the release timeline
   2. Keep all emails and export your data and reports
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3. 3. Plan for delays

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   1. Users report holds running past 120 days
   2. Move future processing to another provider and tell customers about subscription changes
   3. For large sums consider legal advice
   Did this fix it? Yes No

Symptoms

Account closed or terminated, balance not paid out, and support only repeats that risk review is ongoing.

Why it happens

• Business type or activity outside Stripe's rules
• Elevated disputes or fraud
• Risk model flagged the account
• Termination of the account triggers the 120-day hold

This guide also covers

• stripe terminated account
• stripe 120 day hold
• stripe froze my funds
• stripe account closed money inside

Other Stripe errors

• Stripe Account Under Review: What to Do
• Stripe Payouts Paused or Pending: Why and How to Fix
• Stripe 'Your Card Was Declined' (generic_decline, do_not_honor)
• Stripe authentication_required / 3D Secure Decline
• Stripe Webhook Signature Verification Failed
• Stripe Webhooks Not Firing or Failing (302, 400, 500, Timeout)
• Stripe Dispute Lost: What Happens and Can You Appeal
• Stripe Account Restricted: Verification Information Required