On another thread Ownerer seems to be disputing my contention that other companies deal with cc hold backs every day. Either he knows nothing about business and credit cards or is continuing to be willfully obtuse and ignorant. Businesses just starting out or businesses with financial issues or businesses that have high ticket transactions are regularly faced with the issue of holds. Banks and processors want to make sure their customers and they are protected. This credit card hold is not something that Eve would have never known about. Processors like Stripe have to do this because of the risk they are taking. That they were using a third-party processor like Stripe at all shows that they probably could not get a direct merchant account with a traditional processor. That would have saved them lots in fees and may have made the hold backs less onerous. But a new company processing this much income and not actually shipping product would have had any processor demand a substantial hold back. All of the third party processors have terms of service that allow them to implement holds or terminations at any time, for any reason or no reason at all. If Eve was not aware of this they are horribly managed. Don’t believe me? Here are a couple articles. Also, speak to any business you know that accepts credit cards. I have dealt with this issue when working with large processors like First Data and third part aggregators like Square. It is part of doing business and accepting credit cards.