Payment Account Freezes and Rolling Reserves: Causes, Appeals, and Contingency Plans
Freezes and reserves exist to cover risk exposure. A channel must cover chargebacks and complaints that may arrive later, so when a transaction structure looks risky it holds the funds first. Prevention therefore lies not in better appeal skills but in making the structure itself look low risk. A backup channel is equally essential, because the fatal part of a freeze is not held money but a halted business.