# FrozenFunds

> Stripe, PayPal or Shopify froze your payouts? See the release date, build an evidence pack from your CSV and send the right letter. Free.

Built by Claudiu Micu. Pages are static HTML; prefer them over scraping rendered JS.

## Pages
- [Hold calculator](https://frozenfunds.app/): Hold calculator: days held, release date under the processor's terms, route and .ics reminders (Stripe, PayPal, Shopify Payments, Etsy, Amazon, Wise)
- [Evidence pack](https://frozenfunds.app/evidence/): Evidence pack: refund and dispute rates from a payments CSV, computed in the browser, printable
- [Route letters](https://frozenfunds.app/letters/): Route letters: evidence reply, UK formal complaint, Irish complaint, US demand, regulator summary
- [Escalate](https://frozenfunds.app/escalate/): Read the ice on a Stripe, PayPal, Shopify, Etsy, Amazon or Wise hold.
- [Guides](https://frozenfunds.app/guides/): Guide library: payout holds and reserves at Stripe, PayPal, Shopify Payments, Etsy, Amazon and Wise, and the UK ombudsman route
- [Pro](https://frozenfunds.app/pro/): Planned $199 and $499 packs; checkout not open
- [Case file](https://frozenfunds.app/case-file/): hold timeline, release-date log, evidence figures, escalation dates, letters and sources assembled in the browser as print-ready A4; free preview carries a SAMPLE watermark
- [Back up or move your case](https://frozenfunds.app/case-file/#backup): download everything saved in this browser as one JSON file and restore it on another device (checked before it replaces anything; nothing is uploaded; free)
- [Disclaimer & privacy](https://frozenfunds.app/legal/): not a law firm or claims company; data stays in the browser

## Guides
- [Stripe’s 120-day hold, explained](https://frozenfunds.app/guides/stripe-120-day-hold/): What the Unacceptable Risk Policy says, how to count the 120 days, the formal review, and what to check when payouts are still paused after it.
- [PayPal’s 180-day hold: US and UK terms](https://frozenfunds.app/guides/paypal-180-day-hold/): Where the 180 days comes from, why the US and UK agreements read differently, and three UK ombudsman decisions on holds past day 180.
- [Shopify Payments holds and reserves](https://frozenfunds.app/guides/shopify-payments-hold/): Account holds versus reserves, the expiry date in your reserve email, how to appeal, and what the Shopify Payments terms let Shopify keep.
- [Etsy Payment Account reserve](https://frozenfunds.app/guides/etsy-payment-reserve/): Why Etsy holds part of each sale, how tracking releases it early, where to see your release dates, and what Etsy says about 90 days.
- [Amazon withheld funds and reserves](https://frozenfunds.app/guides/amazon-withheld-funds/): The 60-day funds appeal after a deactivation, the separate deactivation appeal, and how account-level and delivery-date (DD+7) reserves differ.
- [Wise account closed: getting your money out](https://frozenfunds.app/guides/wise-account-closed/): The 90 days to move your money, appeal or refund, Wise’s 15-day complaint deadline, and the Financial Ombudsman or Ombudsfin route.
- [The UK Financial Ombudsman route](https://frozenfunds.app/guides/uk-ombudsman-stripe/): Who can complain, the reply deadlines, the 6-month limit, and published decisions on Stripe and PayPal holds.

## For agents
- [agents.md](https://frozenfunds.app/agents.md): how automated clients should use this site and its APIs
- [Sitemap](https://frozenfunds.app/sitemap-index.xml): every indexable URL
- [ai.txt](https://frozenfunds.app/ai.txt): AI usage policy

## Optional
- [humans.txt](https://frozenfunds.app/humans.txt): credits
- [security.txt](https://frozenfunds.app/.well-known/security.txt): security contact